What is Lowell Labs?

Lowell Labs is an advanced analytics centre of excellence focused on creating new insights about subprime credit consumer behaviour, financial distress, and household balance sheet dynamics. As the newest location for Lowell, our Amsterdam office reflects both the entrepreneurial spirit and freedom-to-operate of a start-up with the stability of a pan-European corporate business. Our work influences every area of Lowell’s business through a combination of partnership and inquiry, and we are deeply committed to developing talented staff and focusing our work on the most interesting problems.

Based in Amsterdam, at the heart of Europe’s data science community

We’re focused on solving some of Lowell's most challenging business problems related to asset pricing, consumer segmentation, and forecasting and prediction.

Advanced statistics and machine learning methods are at the heart of our work...

…alongside an interdisciplinary mind-set, an unrelenting focus on discovering better solutions, and a willingness to invest in unconventional ideas and moonshot projects.

Committed to analytic and technological excellence

As a space devoted to exploring innovative approaches and applied consumer science methods, Lowell Labs is unique within our industry and a reflection of Lowell’s burning commitment to analytic excellence.

How does Lowell Labs work?

Lowell's business is pan-European and Lowell Labs staff, as members of the broader Decision Science department, provide direct support to colleagues in the UK, the DACH region, and the Nordics. As a result, team members have ample opportunities to travel and network, and also benefit from dedicated time to learn and think. 

Moreover, our data asset is without rival: Lowell has a relationship with more than 1 in 5 consumers across the UK, DACH region, and Nordic countries. Each year we make significant investments in credit bureau and customised consumer data that describe demographic, account-specific, and macroeconomic factors related to credit, savings, and payment behaviour. 

Additionally, we have partnered with some of the world's leading universities and faculty to design applied business experiments and fill the knowledge gap around household balance sheet and consumer debt dynamics. 

Lowell Labs leadership

Dr Christopher Trepel

Group Chief Science Officer

Chris is Group Chief Science Officer at Lowell and leads the multidisciplinary Decision Science department responsible for asset valuation, predictive modelling, financial forecasting, and consumer science R&D. He is also an Operating Partner in Fenway Summer LLC's venture capital fund (Washington, DC, USA), focused on emerging FinTech companies.

Previously Chief Scientific Officer at Encore Capital Group, Chris built and directed the analytics and Corporate Affairs functions, launched a pioneering research platform focused on consumer financial decision making, and authored the industry’s first Consumer Bill of Rights. Before that, he held analytic and strategic roles at Wells Fargo Bank and McKinsey & Company.

Chris holds a PhD in Experimental Psychology, has completed postdoctoral fellowships in Neurophysiology and Behavioural Economics, and is lead or co-author of more than 65 academic and professional publications.

Find Chris on LinkedIn

Gerald McLarnon

Gerald McLarnon is the Operations Director for Decision Science at Lowell Group and is responsible for Lowell Labs. He makes sure the department delivers against its business plan and leads our work in important areas like recruiting, Lowell's data and analytics platform, and risk management.

Before joining Lowell in 2017, Gerald was an independent management consultant, held executive director and management roles in general insurance, at a credit reference agency, in retail banking, and with a global management consulting firm. He began his career as a mathematician and systems programmer at the University of Oxford.

Find Gerald on LinkedIn

What we’re looking for


Expertise in analytics, statistics, and/or machine learning, likely evidenced through a combination of professional and academic experience, conference presentations, academic publications, or contributions to open source statistical software.

Solid communication skills (including the development of applied use cases) and the ability (or willingness to learn how) to explain analytic concepts and results in ways that generate excitement.


Graduate degree (PhD preferred) in a quantitative discipline with significant statistical training.

Direct experience building advanced statistical models from complex, specialised, or large data pools.

Depending on the role, additional requirements might include coaching and mentoring analytic staff, prior experience with agile methods and cloud platforms, or research methods and experimental design expertise.

Personality traits

We’re looking for critical thinkers possessing excellent problem solving skills, a commitment to continuous learning, drive and persistence, and an applied business bias.

Our most successful colleagues will also demonstrate intellectual curiosity, creativity, superior ambiguity tolerance, and a dedication to exploration and the discovery of better answers.

Meet one of our team

Elizabeth Mandiville

"My job is all about using data, and building statistical models, to help us better understand our consumers and tailor our engagement strategies to meet their individual needs.

We have a wide and varied consumer base, so the more we understand our individual consumers the better service we can provide.

What I like most about my work are the difficult problems, the ones where consumer behaviour is uncertain and we need to develop new data sources and use new analytic methods. Most of my work is collaborative; I enjoy learning from others and working with other teams to integrate my insights into our business processes."

Interested in working (and progressing) with us?

Why not drop us a short note, along with a CV, explaining your interest in Lowell Labs and how you might fit with our team?

We can then arrange an initial conversation by phone, video call, or in person at our offices in central Amsterdam.

Apply now

Please send us an email with your cover letter and CV.