Deliver end - to - end Data Science projects, from problem identification to production deployment. Develop and deploy scalable ML and Generative AI models using Python and AWS.
About the role
- Data Scientist specializing in Credit Risk modeling for a leading instant credit provider in Europe. Involved in developing and maintaining credit risk models for loan origination and portfolio management.
Responsibilities
- Develop and maintain PD/LGD/EAD models for both new origination and portfolio risk management.
- Integrate feedback from our institutional investor base (e.g. on performing and non-performing loans), and rating agencies in the modelling process.
- Deploy model in production using our modern stack (Python, DBT, BigQuery).
- Ensure full model documentation aligned with internal validation and audit requirements.
- Ensure model outputs are correctly feeding into credit risk monitoring and integrating in Younited data platform.
- Provide insights to the Local Business Units and to the rest of the risk team regarding the evolution of credit risk.
- Drive the half-yearly assumption review committee with the CEO, CRO, CFO, upon which the PD/LGD/EAD parameters are validated.
- Support model validation reviews, audits, and regulatory inspections.
- Collaborate on defining and prioritizing the credit risk modeling roadmap in line with group strategy.
Requirements
- Master’s degree or PhD in quantitative fields such as statistics, mathematics, data science, or engineering
- 2 to 5 years of experience in credit risk modeling, with hands-on involvement in PD/LGD/EAD model development
- Proficient in SQL & python
- Strong analytical rigor, autonomy, attention to detail, and ability to work in cross-functional teams
- Excellent communication skills in both written and spoken English
- Comfortable working in a fast-paced environment with international collaboration (including auditors and group-level stakeholders)
Benefits
- Offices located in the heart of Paris (9th arrondissement)
- An international work environment and the opportunity to go on assignments in our offices abroad (Barcelona, Lisbon, Rome)
- An entrepreneurial mindset and strong team spirit
- Personalized managerial and HR support during onboarding and throughout your Younited journey
- A continuous learning environment with access to internal and external training, an e-learning platform, and “Friday workshops” within the Tech team to support everyone’s development
- A strong focus on work-life balance
- A parenthood charter to support all family-related projects, with key measures
- Special leave for major life events, often more generous than legal requirements
- A hybrid remote work policy: 2 to 3 days of remote work per week depending on the team, and the option to work fully remotely for one week twice a year
- 33 days paid holiday, i.e. 8 more than the statutory 25 days (instead of the traditional RTT)
- Access to the Wellpass platform (formerly Gymlib) with over 4,000 fitness and wellness activities across France at a discounted rate
- Meal vouchers (€10 per day, 60% covered by the company)
- Team buildings in France (Summer Party & Winter Party), abroad, and within your team
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