Senior Data Scientist (M/F)
Who are they?
A leading Pan European lending and payment (“Buy Now Pay Later” solutions) platform in Europe, Younited has granted over 3Bn€ loans to 500k+ households since inception in December 2011 across five countries (France, Italy, Spain, Germany and Portugal), has over 1Bn€ Asset under Management and generates over 40m€ revenues in 2020.
Launched as a pure B2C platform in December 2011, Younited has been developing since December 2018 its B2B solutions, under the brand Younited Business Solutions, allowing financial institutions and e-merchants to offer its solutions to their clients.
Its advanced scoring and credit underwriting technologies allow to offer the easiest and fastest 100% online credit / “Buy Now Pay Later” application. As part of these technologies, Younited is the undisputable leader in Europe on leveraging PSD2 / open banking enabled banking transactional data in its risk & scoring technologies.
Younited is the only European lending and payment platform to be fully authorized and regulated as a Credit Institution. Its innovative refinancing model allows professional qualified investors (both individuals and legal entities: companies, insurers, foundations, pension funds, etc.) to directly finance consumer loans (see below for further details).
The company has raised more than 330m€ in equity since launch, has passported its license in 10 countries (France, Italy, Spain, Portugal, Germany, Poland, Romania, Belgium, Netherlands and Austria) and employs c. 500 staff in Paris, Rome, Barcelona, Lisboa and Berlin – of which 160+ in the fields of data science, engineering and software development.
Younited BtoB activity is growing thanks to two types of partnership offers:
Younited, designed for banks, fintechs and insurers who wish to develop or improve a credit actityn
Younited Pay, designed for retailers, telcos, e-merchands who wish to offer to their customers the simplest method to pay in instalmentsn
N26, Free, Bpifrance, Orange Bank, Fortuneo, Lydia & Microsoft already trust us and several partnerships are about to be launched.
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Rencontrez Geoffroy, Co-fondateur
Rencontrez Ashvini, Data Scientist
Rencontrez Vigdis, Chief People Officer
As a Senior Data Scientist, you will join the Data Science team and lead the “Credit risk modelling” domain. Credit risk modelling is at the heart of Younited’s strategy as it directly contributes to product innovation – instant granting -, revenue hypergrowth, and risk management. Strategic partners such as Microsoft, Orange Bank or Apple have chosen us for our capacity to build innovative and high performant credit risk models helping them to provide new type of funding or increase their market share.
As a senior data scientist at Younited, you will be in charge of the development and deployment of all the credit scores used in our Direct and Via Partners (B2B) business.
Your responsabilities :
Develop highly performant models using state-of-the-art machine learning techniques and leveraging our PSD2 (open banking) data,n
Deploy our models in our platform using tools and guidelines defined by the ML Engineers,n
Understand the role of the credit scores in the decision engines and identify limitations and improvement ideas to maximize business impact for the Direct and Via partner lines of business,n
Drive the credit score roadmap prioritization based on business impact and model risk,n
Exploit the full potential of external data sources for credit scoring available on each market (credit bureau, sociodemographic segmentation…),n
Enhance the credit score development methodology,n
Improve the credit scores ongoing monitoring (expected vs observed performances, population drift, data quality),n
Manage a team of 3 data scientists and expand it to support Younited’s growth.n
The credit scores are at the heart of our decision engines. Thus, you will have to work closely with most of the teams at Younited: credit management strategy, credit portfolio management, model risk management, but also Lines of Business, Product and tech teams.
🤝 It’s a match if …
You want to lead a strategic topic like credit scoring while keeping hands on the implementation,n
You have a, engineering background or similar with a Master’s degree or PhD in a relevant field (statistics, machine learning or mathematics),n
You have 5+ years of experience in a credit risk modelling environment,n
You have an experience in managing/leading data scientists,n
You are proficient in SQL & Python,n
You are energetic, enthusiast, rigorous and a team player.n
🎁 Other benefits from joining Younited ?
Offices in the center of Paris (9th)n
An international work environment and the opportunity to do a mission in one of our international offices (Barcelona, Munich, Roma)n
An entrepreneurship mindset and a teamwork spiritn
An individualized managerial and HR support during onboarding and throughout the Younited journeyn
A continuous learning environment with the opportunity to take individual and collective trainings and “Friday workshops” in Tech departmentn
A particular attention to the work/life balancen
Support for young parents, including the opportunity of being part-time the week of return to the officen
The opportunity of getting involved throughout the year with associations via the solidarity engagement platform “Vendredi” as well as an annual offered solidarity dayn
A flexible remote policy: from 8 days of remote per month with 2 weeks of full remote per year to almost full remote for Tech (minimum 4 days at the office per month)n
29 days of paid leaven
Luncheon voucher cardn
Snacks and fruit baskets twice a weekn
Team buildings in France, internationally (the famous YouniTour) and within your teamn
Younited is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.
A first video chat with Camille, Lead Talent Acquisition, to get to know each other and tell you more about Younited, our corporate culture & values, (30’)n
A video chat with Guillaume, Hiring Manager and Head of Data to get to know all details of this job posting (60’)n
A technical case in order to have an overview of your knowlegde (60’),n
A meeting with member of your future team in order to give you a complete overview of what your daily life is ! (60’)n
Interested in this offer?
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