Senior Data & Machine Learning Engineer

Our company

Atto is a remote-first organisation and has been recognised as one of Scotland's top 10 most flexible employers. We know we're not just building world-class products but also a world-class team and a set of sustainable development practices that will continue to deliver value as we scale.

We believe that the best work comes from cross-functional, self-organising, and diverse teams that take ownership of their processes and practices. You will be trusted to make things happen.

Our people set us apart, and these are some of the words they use to describe our culture: Flexible, Fast, Compassionate, Potential, Professional, Fun.

Our values have grown organically through our behaviours and outcomes, driving everything we do:

Precision. Foresight. Integrity.

Your role

As a Senior Data & Machine Learning Engineer with Atto, you will be part of our Data Science & Engineering team, helping our customers use transactional intelligence to drive smarter financial decisions and build impactful products. You’ll play a key role in designing and delivering scalable, production-ready analytical solutions that turn complex data into meaningful insights.

You will be a core contributor to pushing the frontier of what is possible with financial data, responsible for designing and implementing pipelines, ingestion systems, real-world credit and risk outcomes, and scaling the machine learning that powers our new product surface area. You will collaborate closely with the product team to understand market signals, customer needs, and the direction of internal strategy. You will interrogate large-scale datasets, identify patterns with commercial implications, and propose new approaches that improve product outcomes in measurable ways.

We’re looking for someone who’s passionate about technology, curious about data, and excited to solve real problems. You’ll need a strong foundation in machine learning and data engineering, a creative mindset, and the ability to communicate clearly with both technical and non-technical stakeholders. You’ll be supported with training and development opportunities to deepen your expertise and stay ahead of industry trends.

Responsibilities

• Build and scale advanced ML and data systems that power Atto products and customer-facing applications.
• Design and implement robust data ingestion pipelines and infrastructure to support real-time and batch processing of financial data.
• Driving impact at scale by improving model training workflows, service reliability, and ML operations, making Atto’s capabilities faster, more reliable and widely accessible. 
• Collaborate with product managers and cross-functional teams to translate market signals and customers’ needs into innovative data-driven solutions.
• Develop new applications and ML-powered features that enhance product experiences and deliver measurable value to our customers. 
• Create new systems and approaches, while continuously improving and scaling existing ones for performance, reliability, and efficiency. 
• Conduct deep analysis of large-scale transactional datasets to uncover trends, patterns, and insights with commercial and strategic relevance.
• Research, prototype, and implement statistical and machine learning models that solve real-world credit, risk, and financial intelligence problems.
• Communicate technical findings and recommendations clearly to both technical and non-technical stakeholders across the business. 
• Stay current with industry developments, emerging technologies, and best practices in data science, machine learning, and engineering.

You need to have

• A Bachelor's degree in Computer Science, Statistics, Applied Mathematics, or a related discipline.
• 5+ years of hands-on experience in data science and engineering with a proven track record of delivering scalable, production-grade solutions.
• Strong experience in data mining, analysis, and modelling, with a strong grasp of building and deploying algorithms, simulations and predictive systems. 
• Advanced experience in pattern recognition and predictive modelling with the ability to translate complex data into actionable insights.
• A results-oriented mindset, able to take concepts from ideation through to tangible outputs.
• Strong proficiency in Python, SQL, and tools such as MLFlow and Databricks with a focus on building maintainable, testable and clean code. 
• Comfortable working in a fast-paced, delivery-focused environment, managing multiple concurrent projects with agility.
• Proactive approach to task ownership, combined with a collaborative spirit of openness to team input and iteration.

Bonus points (we’re getting greedy)

• A Master’s or a PhD in Computer Science, Statistics, Applied Mathematics, or a related discipline.
• Experience working in a regulated financial sector, ideally in the Credit & Risk domain.
• Direct experience with credit score development or creditworthiness modelling using bank transactional or alternative data.
• Exposure to working in a high growth, evolving environment where the customer is at the heart of product and engineering decisions.

The perks

• A team of passionate, interesting people committed to your development and success
• £68k-78k gross/pension/EMI share scheme
• Personal training and Continuous Professional Development budget (CPD)
• Uncapped bike to work scheme
• Half-day Fridays every last week of the month to recharge
• Wellness partnerships
• In-person and virtual team events and workshops
• Volunteering (Social Good Connect partnership)
• 33 days holiday allowance to take when you want
• £200 home working contribution to make sure you have everything you need to do your best work (get comfy - we want you to stay)
• Ask us about our remote-first, flexible culture - this is core to who we are, and we're rated one of Scotland's most flexible employers

Creating a more predictable future for lenders

We are on a mission to enable our customers across the globe to effortlessly make use of real-time transaction data to better understand their customers, grow their business, revolutionise their offerings and delight with customer service.

At Atto, you will be working for a business that is creating a more predictable future for lenders through our real-time transaction data platform. We use today's data to better predict tomorrow. This is an exciting stage in our growth, and we'd love you to be part of the story.

Don’t speculate. Calculate.

Apply

To apply for the role, please send a CV and cover letter to yoanna.panayotova@atto.co