Data Scientist

Role Overview

We are looking for a Data Scientist to act as the primary data authority and Business Data Steward within the German Mortgages division at Lloyds Bank Deutschland. The role demands analyzing a wide array of data types including customer, product, portfolio, channel, and risk data to extract actionable insights, detect patterns and anomalies, and support decision-making processes related to business growth and strategy.

Key Responsibilities

• Serve as the central data expert and steward specifically for the Mortgages business in Germany.
• Conduct detailed analysis of data across multiple domains including customer behavior, product metrics, portfolio trends, channels, and associated risks to inform business strategies.
• Provide portfolio analytics, forecasting, scenario planning, and tailor ad hoc reports to enable strategic planning and product development.
• Function as the intermediary between the Mortgages business unit and Business Intelligence teams, translating business requirements into effective data and reporting solutions.
• Create, maintain, and optimize Power BI dashboards, reports, and monitoring tools, emphasizing automation and improvements in reporting efficiencies.
• Maintain responsibility for data definitions, business rules, critical data elements, and data quality standards throughout the mortgage function.
• Ensure consistent and accurate use of data aligned with agreed business logic and authorized data sources.
• Define and oversee data quality controls, investigate and resolve data inconsistencies, coordinating with technology, business, and data stakeholders where necessary.
• Act as a key contact for data-related aspects in projects, change management, and continuous process optimization initiatives.
• Promote and enhance data literacy and a culture grounded in data throughout the Mortgages department.

Required Qualifications & Experience

• Bachelor's degree in Business, IT, or related domain.
• Several years of professional experience in Data Science, Analytics, Business Intelligence, Portfolio Analytics, or Data Stewardship, preferably within banking, mortgages, or financial sectors.
• Strong analytical abilities alongside effective problem-solving and stakeholder engagement skills, capable of translating complex business needs into actionable insights.
• Advanced proficiency with Power BI, SQL, Databricks (including Python/PySpark), and experience handling extensive and complex datasets.
• Sound understanding of Azure data ecosystems covering data warehousing, ELT processes, Databricks, Unity Catalog, cluster setups, and Azure Data Factory.
• Thorough knowledge of data governance principles such as data quality management, data lineage, critical data elements, and ownership concepts.
• Experience managing data integration from diverse source systems and collaborating within multi-disciplinary teams spanning business, technology, and BI functions.
• Fluent written and verbal communication skills in English.