Full-Time
Data Science Manager
Payment Intelligence
Updated on 5/8/2026
GoCardless
501-1,000 employees
Global bank-debit network for recurring payments
Compensation Overview
£99.2k - £148.8k/yr
London, UK
In Person
Adaptive Working allows flexible, around your lifestyle.
 Data & Analytics (1) |
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- 2+ years managing Data Scientists within complex, high-stakes domains.
- A hands-on leader comfortable diving into the codebase. You bring strong expertise in Python and SQL to oversee the full lifecycle of a model, from initial prototype to robust production deployment.
- Manage and mentor a high-performing team of Data Scientists, fostering a culture of technical excellence and supporting their long-term career development.
- Oversee the end-to-end lifecycle of mission-critical ML models that power real-time payment decisions.
- Shape the strategic roadmap for the Payment Intelligence space, translating complex data challenges into actionable, high-impact goals.
- Drive cross-functional impact by working closely across disciplines to build end-to-end technical solutions, from concept to production.
- Influence Senior Leadership by acting as the bridge between technical complexity and business value, communicating ML strategy to senior stakeholders.
- 2+ years managing Data Scientists within complex, high-stakes domains.
- A hands-on leader comfortable diving into the codebase. You bring strong expertise in Python and SQL to oversee the full lifecycle of a model, from initial prototype to robust production deployment.
- A decisive collaborator who can navigate technical trade-offs and translate complex ML concepts for cross-functional stakeholders and leadership.
- Familiarity with complex data environments and model architectures, such as deep learning (experience in Fintech, Fraud Prevention, or Payments is a big plus).
GoCardless provides a payment platform that helps businesses collect recurring payments using a global bank debit network. It supports subscriptions, invoices, memberships, and installment payments, offering an alternative to traditional card networks. The service works by enabling businesses to initiate collections through the GoCardless network, with fees charged per transaction. It integrates with other software through APIs and platform connectors, making it easy to embed GoCardless into existing systems. Compared to card-based payment providers, GoCardless focuses on a bank debit method optimized for recurring revenue at a global scale, serving clients from small businesses to large enterprises like TripAdvisor and The Guardian. The company's goal is to simplify and streamline the process of collecting recurring payments worldwide, improving efficiency, predictability, and cash flow for its customers.
Company Size
501-1,000
Company Stage
Acquired
Total Funding
$1.8B
Headquarters
London, United Kingdom
Founded
2011
Simplify's Take
What believers are saying
- Revenue grew 22% to £160.9m in FY25, first EBITDA-positive quarter achieved.
- Mollie acquired GoCardless for €1.1bn in December 2025, enabling global scale.
- Processed £79.2bn payments, doubled volume via Nuapay acquisition September 2024.
What critics are saying
- 90 role cuts in FY25 delay VRP launch, raising failure rates within 3-6 months.
- Mollie integration causes 20-30% SME churn to consolidated platform in 6-12 months.
- Adyen undercuts enterprise pricing, poaches clients like Capital on Tap in 12-18 months.
What makes GoCardless unique
- GoCardless leverages global bank debit for recurring payments, bypassing card fees.
- Over 35,000 businesses adopted Open Banking via simple dashboard since 2021.
- Same-Day Settlement+ uses ML on 38 million accounts to cut failures 80%.
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Your Connections
People at GoCardless who can refer or advise you
Benefits
Wellness Program
Time Off
Hybrid Work Options
Equity
Parental Leave
Growth & Insights and Company News
6 month growth
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↑ 0%GoCardless reported a 22% revenue increase to £160.9 million for the year ending June 2025, whilst reducing losses from £33.6 million to £22.5 million. The UK fintech doubled payment volumes to £79.2 billion, aided by its acquisition of open banking firm Nuapay. The company underwent restructuring during the period, making a £4.2 million provision for redundancies affecting around 90 roles as it focuses on cost control and establishing new hubs in London and Lisbon. Overall headcount rose from 606 to 626 employees. GoCardless achieved its first positive adjusted EBITDA quarter in the final quarter of 2025 and expects its first EBITDA-positive year in 2026. The results precede Dutch peer Mollie's €1.1 billion acquisition announcement in December 2025.
Round raises $6M to scale its AI-powered finance automation platform. Round raised seed funding to scale its AI-powered finance automation platform, alongside the launch of new tools designed to streamline financial operations and reduce manual workloads. London-based Round, an AI-powered finance automation platform, has raised $6 million in seed funding to accelerate the development of its financial infrastructure and expand its product offering. The round was led by Alstin Capital, with participation from Backed VC and Love Ventures. Around 10 per cent of Round's existing customers joined the round, alongside angel investors including Paul Forster, founder of Indeed. Existing investors, such as Passion Capital and early backers of Monzo, Tide, and GoCardless, also took part. Alongside the funding, Round announced the launch of two new products: Agentic Workflow Builder and Autonomous Payroll, both designed to streamline financial operations and reduce manual workload. Despite significant investment in finance software, many finance teams continue to operate across fragmented systems, manually managing tasks such as invoice approvals, payment execution, and payroll funding. Round addresses this challenge by combining intelligence with financial infrastructure to automate these workflows. Its platform integrates with existing banks and accounting systems, enabling finance teams to define rules for approvals, payment schedules, and cash management, while the system executes these processes automatically and synchronises data with enterprise resource planning (ERP) systems. Pac O'Shea, co-founder of Round, said the company is not aiming to replace finance leaders with an AI-driven CFO but instead focuses on automating the repetitive operational tasks that finance teams typically handle manually. We are building for the finance team of the future, one that understands the importance of automation to keep up with the pace of modern companies. AI tools are rapidly being deployed across the industry, and finance teams do not need to be left behind, The newly launched Agentic Workflow Builder enables finance teams to describe workflows in natural language, which the platform converts into automated processes running continuously in the background. Meanwhile, Autonomous Payroll streamlines the entire payroll cycle, from importing payslips and routing approvals to funding and executing payments, eliminating the need to manage multiple systems manually. The new funding will be used to accelerate product development, expand the company's engineering and go-to-market teams, deepen integrations with banks and financial systems, and scale its infrastructure. Round also plans to support community-led growth initiatives, including finance-focused hackathons, workshops, and webinars aimed at helping organisations adopt automated financial workflows.
35,000+ businesses have selected GoCardless for Open Banking payments. * Open Banking * 18.03.2026 11:25 am Bank payment company GoCardless has today announced that more than one in three customers have taken open banking payments through its platform, driving growth of 'Pay by Bank' across the UK economy. The impressive number of open banking customers - 37,323 since the launch of its first open banking product, Instant Bank Pay, in 2021 - underscores how GoCardless has democratised access to the new technology. While competitors often require long sales cycles and complex integrations to use open banking, GoCardless has enabled small and medium-sized businesses to tap into its benefits immediately by signing up via the GoCardless website and using the dashboard, with no technical expertise required. The fintech has an equally notable track record with enterprise customers. Industry leaders including JustGiving and Capital on Tap also place their trust in GoCardless' open banking solutions, proving their ability to handle high-volume, mission-critical transactions with ease. As open banking payments become mainstream, GoCardless has developed a high-performance solution that makes adoption viable and highly effective today. Key features include: * Full payer coverage from day one through 'intelligent routing' that automatically shifts payers to Direct Debit if open banking isn't available. * A 'bank guess' feature: the GoCardless platform has seen 70% of UK payers over the past 15 years. This data is leveraged to auto-fill payment details and create a smoother checkout experience. * 99.5% uptime, ensuring reliable service - a critical factor for early adopters and a common concern across the industry. By providing widely accessible 'Pay by Bank' solutions, GoCardless offers businesses a genuine alternative to card payments, ultimately reducing fees and enabling more secure, seamless transactions. Shaun Puckin, Chief Product Officer at GoCardless, said: "We're immensely proud that over 35,000 businesses have placed their trust in GoCardless for open banking. That number is a testament to the range of businesses we've enabled, and our dedication to growing 'Pay by Bank' so merchants have a real choice when it comes to how they get paid. As open banking continues to mature, our product combines ease of access, scale and reliability so early adopters feel confident with a solution that works today, whilst future-proofing for tomorrow." What is open banking? Open banking describes the process of banks and other financial institutions opening up data for regulated providers to access, use, and share, in a safe and secure manner - and only with the customer's consent. Open banking payments are powered by this concept. Built on modern API technology, they replace clunky manual bank transfers and expensive card networks with direct account-to-account connectivity. By combining this new technology with established methods like Direct Debit, businesses can bridge the gap between innovation and reliability, using open banking for instant, one-off payments payment while tapping into a trusted and preferred way to pay for recurring transactions. Key benefits For businesses * Reduced costs: Eliminates the high interchange fees associated with card networks; for instance, businesses using GoCardless' Instant Bank Pay save up to 48% compared to collecting payments with cards. * Instant confirmation: Payments are authorised in real-time, reducing Days Sales Outstanding (DSO) and the need for manual reconciliation. * Lower failure rates: Direct account-to-account flows bypass common card issues like expiration dates or stolen cards. For payers * Frictionless checkout: No need to type in long card numbers; payments are authorized with a simple tap via their existing mobile banking app. * Enhanced security: Transactions can only be authorised through the payer's online banking platform, meaning sensitive payment details are never shared with the merchant. * Greater clarity: Payers gain real-time visibility over their outgoings, as money leaves the account instantly, unlike the "pending payment" lag of traditional cards. * Transparency & control: Customers remain the sole decision-makers over their data and can revoke consent or authorisation at any time through their banking app. * 13.01.2026 09:25 am * 12.01.2026 12:15 pm * 04.12.2025 08:55 am * 24.11.2025 08:35 am * 20.11.2025 07:59 am * 19.11.2025 09:00 am * 30.10.2025 09:55 am * 30.10.2025 09:25 am * 29.10.2025 03:05 pm * 21.10.2025 12:55 pm * 20.10.2025 11:05 am * 07.10.2025 09:25 am
Virtual Spotter partners with GoCardless to scale globally. Virtual Spotter, an Australian-founded leading provider of virtual assistant services to the fitness and wellness industry, is leveraging bank payment company GoCardless to automate its global recurring collections and manage both Direct Debit and foreign exchange (FX) as it scales across 11 countries. This partnership enables Virtual Spotter to eliminate accounts receivable admin, grow its US market without increasing finance headcount, and ensure error-free collection of its 600+ monthly B2B transactions. Virtual Spotter solves the "9-to-11 PM admin" problem faced by most gyms and fitness businesses, slashing business burnout and giving valuable time back to owners. By automating back-office tasks, the service helps gym owners save an average of 65 hours of admin work and $1,400 in costs per month. Key outcomes of the Virtual Spotter and GoCardless partnership include: * Virtual Spotter can manage its global operations without a dedicated Accounts Receivable person, now relying on just one part-time employee for all finance matters. * The business previously required 11 separate international bank accounts and manual reconciliation processes. Now, a single GoCardless dashboard eliminates fees, compliance headaches and escalating admin. * In just five years, the US has become Virtual Spotter's largest market, with expansion facilitated and accelerated through automated FX conversion directly into AUD. Virtual Spotter uses GoCardless' Direct Debit solution through online accounting software Xero to manage 95% of its monthly payment volume. By automating the entire payment process (from triggering the monthly invoice to the final reconciliation) Virtual Spotter has avoided the need to hire a dedicated Accounts Receivable (AR) team, maintaining a lean finance operation even as they scale globally. Zac Joyce, Co-founder at Virtual Spotter, said, "Automated payments from GoCardless mean we've never needed to hire a dedicated accounts receivables person, and I've never had to chase anyone for a payment. We've enjoyed five years of reliable, error-free collections - never once having the incorrect amount collected from a customer. GoCardless is our own virtual payment assistant, allowing us to confidently scale our international growth without worrying about scaling our payments infrastructure." Ian Boyd, General Manager ANZ at GoCardless, added, "Virtual Spotter's success is a perfect example of how automated direct debit bank payments solve the core pain points that prevent many businesses across Australia and New Zealand from achieving their global potential." "GoCardless allows businesses to collect payments seamlessly across borders, cut out costly administration, and focus entirely on delivering specialized services to clients. Virtual Spotter's success is a guide on how many companies in our region can achieve scale without leaning on increased headcount or ballooning admin - all by partnering with GoCardless."
GoCardless, simple and cheap way to take payments online: no merchant account, no credit card fees, no hassle. Here you'll find information about their funding, investors and team.