The story of Fairlo began when our founders, Jimmy and Shamon, saw first-hand how unfair and predatory lending practices can trap people in cycles of debt. Their mother had been misled by a large bank, and instead of being offered a lifeline, she was pushed further into financial difficulties. That injustice sparked something: to build a company that reimagines credit - rooted in transparency, flexibility, and respect. That company became Fairlo.

Where we are now

Since launching in 2018, Fairlo has helped tens of thousands of customers access responsible credit when life happens. With 30,000+ active users, a 4.7 Trustpilot rating from 4 100+ reviews, and an incredibly low churn rate, we’re proving that transparency and flexibility is not only the right thing to do - it’s a winning model.

We’re a tight team of 30 people based in Stockholm, Crete, and the UK. Backed by some of Sweden’s most experienced investors and driven by a culture that prizes kindness, courage, collaboration and common sense, we’re very proud of what we’ve built so far.

Where we’re going

In line with new legislation and our long-term vision, we're entering an exciting new chapter of growth. This next phase is about scaling responsibly, driving innovation, and creating fair, transparent financial products that support our customers through every stage of life - all while staying true to our mission of building a fairer world, even when it comes to money.

That’s where you come in.

Ready to turn data into smarter lending decisions?

We’re building a data-driven business and you’ll be at the heart of it. You’ll sit at the intersection of data science and credit - owning the development of models and the insights that shape our lending decisions. From building credit and affordability models to optimising pricing and underwriting rules, you’ll play a key role in balancing growth and risk to drive key business outcomes.

Some of the things you’ll do:

• Develop and maintain predictive models for the business - through credit risk, affordability, pricing, or collections.

• Lead analysis to support business decisions and optimisations such as evaluating lending policies, pricing tiers, and risk appetite changes.

• Conduct statistical and causal inference to guide decision-making (e.g. uplift modelling, treatment effects).

• Partner with Credit, Product, and Marketing to design data-driven strategies.

• Present recommendations at the risk committee and to non technical senior stakeholders with a clear commercial narrative.
  

What we believe you bring:

• At least 5 years’ experience in data science, decision science, or analytics (fintech, lending, or financial services preferred).

• At least a B.Sc (M.Sc or PhD preferred) in finance, MBA, statistics, applied mathematics or similar.

• A problem solving approach and critical thinking regarding limitations in data.

• Strong skills in Python or R, SQL, and working with large datasets.

• Experience building and validating predictive models (e.g. logistic regression, gradient boosting).

• Experience in supervised and unsupervised machine learning.

• Solid understanding of consumer lending concepts: credit risk, affordability, pricing, delinquency.

• Familiarity with A/B testing, uplift modelling, or causal inference.

• Ability to translate complex analysis into tangible actions.
  

Even better if you also have:

• Experience with credit bureau data or open banking.

• Exposure to pricing governance or credit policy.

• An interest in AI.
  

Where you’ll work:

Mostly in our Stockholm office, with occasional travel to our tech hub in Crete and the UK. We offer a hybrid model, competitive benefits, and – most importantly – a deeply supportive and purpose-driven culture.

If you’re ready to combine your data expertise with a mission that truly matters, we’d love to meet you. Apply today and join us in creating a more fair financial world.