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Data Scientist
Madrid, SpainJob Description
The role is embedded day‑to‑day with the Spanish business, supporting local Strategy, Operations, and Pricing teams, while also collaborating closely with a broader Decision Science team that is predominantly based in the UK. Strong remote working practices and cross‑country collaboration are therefore essential.
The Decision Science team applies statistical modelling, machine learning and emerging AI techniques to:
- Understand, measure and predict customer behaviour across the credit lifecycle
- Optimise collections and customer treatment strategies
- Value portfolios of non‑performing or distressed assets through cash‑flow and cost projections
- Improve operational efficiency and customer outcomes through data‑driven decisioning
The successful candidate will deliver end‑to‑end analytical solutions that move from data exploration and modelling through to operational deployment and performance monitoring in live business processes.
Key Outcomes of the Role
The successful candidate will:
- Support the growth of the Spanish business, while benefiting from Group‑level standards, tools and expertise
- Deliver hands‑on analytical projects from problem definition through to deployment and monitoring
- Translate complex analysis into actionable, commercially viable recommendations
- Ensure customer outcomes, fairness and experience are central to decision science work
- Become a trusted analytical partner to Spanish stakeholders, while contributing to the wider UK‑based Decision Science team
Key Responsibilities
Direct Responsibilities (Delivery)
- Build strong working relationships with Spanish Strategy, Operations, Pricing and Data Engineering teams
- Develop statistical, machine learning and (where relevant) LLM‑based models to agreed objectives and timelines
- Develop deep understanding of Spanish data sources
- Translate analysis into commercially viable and operationally realistic recommendations
- Work with business and technical teams to ensure models are effectively deployed into live decision‑making
- Identify opportunities to enhance modelling approaches and analytical tools used across CCM
Shared Accountabilities (Influence & Collaboration)
- Promote sound analytical methodologies and development standards across projects
- Contribute to realistic project planning and prioritisation
- Support initiatives to improve data quality and analytical capability within the Spanish business
- Coordinate with UK‑based Decision Science colleagues and Data Engineering to support operational implementation
Personal Attributes
- A creative, structured problem solver
- A confident communicator able to explain complex ideas clearly to non‑technical audiences
- Comfortable working with geographically distributed teams
- Curious, adaptable and motivated to learn
Education & Certification
- Degree in a numerate discipline or equivalent professional experience
- Post‑graduate qualification (MSc or PhD) preferred but not essential
- Relevant technical certifications (Python, SQL, cloud platforms, AI/LLMs) are desirable
Knowledge & Experience
Essential
- Python and SQL for data analysis and modelling
- Regression and tree‑based methods (e.g. linear/logistic regression, GBM, random forest)
- Advanced Excel skills, including data validation and analytical modelling
Desirable
- Experience with Azure, Databricks or similar cloud platforms
- Exposure to LLMs (prompting, evaluation, or applied use cases)
- Experience working with collections, recoveries or distressed debt data
- Knowledge of GDPR and data governance
We are people helping people
At Cabot, we’re people helping people. Supporting customers, empowering colleagues, and making the effort to be invovled in the communities we work in.
Our Total Rewards Package for All Round Wellbeing
We understand the importance of the balance between work and life, between fun and professionalism, and between being a corporation and being a community. That’s why we provide compensation structures and benefit plans tailored to each of our global hubs, and then enhance them with a wide range of programs that support your personal and professional growth. It’s our way of showing you that we recognize your value, understand what’s important to you, and want to reward your contributions.
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Holistic Wellness
Colleague Wellness - We're focused on your wellbeing and that means supporting you across all elements of it. This comes from our company sponsored team building events, on site events to form bonds with colleagues, Mental Health First Aid support, Webinars, Employee Assistance Program and more!
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Healthcare
Healthcare - Take advantage of our healthcare options to help you stay well... Gym discounts, Eye Tests and discount offers on glasses, our Employee Assistance Programme and more.
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Perks
Perks - Our Colleague Discount Programme includes Transport, Retail discounts and much more.
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Career Path & Development
Career Progression comes from the fact we invest in our people's skills and ability. We support your individual development, offering regular training to ensure you have the best tools and knowledge for the job. We want to help you be ready for your next career move with us.
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Awards & Recognition
Awards & Recognition - We will always recognise our people's contribution to what we achieve every day. That might be an informal on the spot reward or thank you or part of the formal awards and recognition we run throughout the year such as star of the month and our global President's Club.
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Pay & Bonuses
Pay & Bonuses - Earn a competitive salary, with the opportunity to participate in fun team building incentives!
Our Values In Action
At Cabot, we care about making a meaningful impact on our people, our customers, and our communities. We believe diversity in all its forms brings different thinking styles and perspectives. That builds our creativity and ability to find a better way. It also enables us to understand the different communities that make up our society. The more we understand, the easier it is to deliver the right outcomes for our customers.
Inclusive Workplace
We are striving to be an inclusive and progressive organisation where everyone feels comfortable and enabled to be themselves at work. We value the diversity of thought that different backgrounds and cultures can bring as it makes us stronger. The more we understand each other, the easier it is to deliver the right outcomes for our consumers and to support each other. Prioritising inclusion and belonging improves collaboration and enhances people’s wellbeing; both of which are essential parts of supporting our colleagues, and in turn our business, to succeed.
Giving Back To Our Community
We give back by volunteering, and charity work, trying to make a positive impact on the communities, where we live and work and we are proud to do so.
Employee Resource Groups
Our Pride Network Programme is making an impact, with the number of members and allies continuing to build. The education and awareness they are providing will prove invaluable
Women at Encore and Allies is our resource group for female colleagues and their allies across Cabot. The group serves as a support system providing education, personal growth, information, and idea sharing
Black Employee Network (BEN) is an employee resource group dedicated to empowering Black colleagues and fostering a more inclusive workplace culture. The group aims to provide a supportive community for Black employees, promoting professional development and career advancement opportunities, and advocating for equity and equality within the organisation.
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