Data Scientist, Younited
Credit Scoring
3 days a week in office
Instant credit provider for the e-economy in Europe
Be an early applicant
Instant credit provider for the e-economy in Europe
501-1000 employees
Be an early applicant
3 days a week in office
501-1000 employees
Company mission
To transform the lending and payment industry.
Role
Who you are
- You have a, engineering background or similar with a Master’s degree or PhD in a relevant field(statistics, machine learning or mathematics)
- You have 3+ years of experience in a credit risk modelling environment
- You are proficient in SQL & Python
- You are energetic, enthusiast, rigorous and a team player
What the job involves
- As a Data Scientist specializing in Credit Modelling, you will be a key member of the Credit Portfolio Management team, reporting to our Senior Data Scientist and driving improvements in consumer loan origination quality and risk assessment through advanced credit scoring methodologies
- Credit scoring is a fundamentaldimension of Younited’score consumer loan business, ensuring robust risk management while maintaining profitability and supporting strategic partners like Bouygues, Apple, Microsoft, and ENPAL
- These partners trust us to deliver precise credit risk models that enhance funding solutions and strengthen market presence
- In this role, you will work on the development, deployment, and optimization of credit scoring models with a strong focus on ensuring high origination quality
- Build a robust and scalable approach to develop advanced, highly-performing credit scoring models tailored to maximize the risk reward
- Leverage PSD2 (open banking) data and other alternative data to enhance predictive power and accuracy
- Incorporate external data sources (e.g., credit bureaus, demographic data) to refine risk segmentation and improve decision-making
- Address challenges such as defining objective metrics relevant to Younited, population alignment during periods of disruption (e.g., COVID-19, inflation), and creating models with limited observable data
- Refine credit scoring development methodologies to align with the latest best practices and regulatory standards
- Drive innovation in risk modelling techniques, utilizing machine learning and advanced analytics when relevant
- Ensure continuous internal communication over projects’ roadmaps and best practices around the different uses of the score throughout the decision system
- Ensure seamless integration of credit scores into Younited's decision engines, enabling real-time risk-based decisioning
- Deploy models on the platform in collaboration with ML Engineers, adhering to best practices and compliance standards
- You will be working with an advanced technical stack, including a Python-based scalable development environment and a deployment environment leveraging Google Cloud Platform (GCP)
- Conduct rigorous ongoing monitoring of credit score performance (e.g., expected vs. observed outcomes, population drift, and data quality)
- Identify limitations and propose enhancements to strengthen risk assessment and improve origination outcomes
- Contributes to the prioritization of the credit scoring roadmap by evaluating the impact on origination quality and overall business objectives
- Collaborate with Model Risk Management to ensure compliance with internal governance and regulatory requirements
Application process
- A first video chat with Aurélien, Talent Acquisition Manager, to get to know each other and tell you more about Younited, our corporate culture & values (30’)
- An Interview with Ashvini, your future manager to discuss about the role and expectations (60')
- Online Technical Test
- A Business Case to assess your skills (60')
- 2 meetings with Team Members (90')
Our take
Younited is an instant credit provider that specialises in personal loans, extended payment solutions and budget coaching. The company differs from its competitors in automating request processes as much as possible, using data-driven and AI-based approaches.
Younited takes advantage of DSP2 regulation and open-banking APIs to ingest data, and has been working to embed its product into third-party products like banks and fintech companies. It already has a broad presence in Europe, with operations in France, Italy, Spain, Portugal, Germany and Austria.
The company has attracted significant funding in the past, which it has invested in furthering its technology and nurturing partnerships. This has mainly been with eCommerce websites and apps, notably on "buy now pay later" software.
Steph
Company Specialist at Welcome to the Jungle
Insights
Few candidates hear
back within 2 weeks
1% employee growth in 12 months
Company
Company benefits
- Localization in the center of Paris (Notre-Dame de Lorette, Paris 9ème)
- A very strong company culture
- An on-boarding tailored made to simplify your integration and meet all the teams
- Monthly events (sport tournaments, conferences, afterworks …)
- 1 day per year offered to do volunteer work in an association
- A Younitour (our company seminar) unforgettable (the last were at Ibiza, or in Sicilia ;))
- Remote policy (8 days per month)
Company HQ
Chaussée-d'Antin, Paris, France
Articles
Leadership
Charles Egly
(Co-Founder & Group CEO)Co-founded Olórin Foundation. They are a Board Member and shareholder of Karos, and also a shareholder for Seyna.
Geoffroy Guigou
(Co-Founder & COO)Previously a Consultant at McKinsey and Director of Business Improvement a Poweo.
Salary benchmarks
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