Senior Data Scientist (F/M)

Paris, France /
Risk & Data – Data Science /
Full Time
/ Hybrid
At Younited, we believe money allows people to purchase goods & services and realize their dreams, but today’s banking products are opaque & overly complex.
 
Here, we leverage innovation & cutting-edge technology to redefine lending and payment practices, to provide exceptional user experience
 
More than a million customers already had access to our instant, simple & transparent credit, and we are just getting started.
 
We both provide credit & payment solutions directly to consumers (Younited Credit / Younited Pay) & via partners (banks, fintech & insurers who wish to develop consumer loan activities and retailers, telcos, e-merchants who wish to offer their customers the simplest method to pay in several times). We also provide budget optimization solutions through “Younited Coach” to all consumers willing to receive personalized recommendations.
 
Our mission is to become your trusted financial partner. In this respect, our strategy aims at promoting more transparency and more inclusiveness to help you achieve financial wellbeing.
 
We have initiated a B-Corp certification process, our social and environmental impact being at the heart of our strategic concerns.
 
So join Younited, the leading instant credit provider for the e‐economy in Europe! Be part of an amazing adventure that is only at its beginning…
 
Some key figures about Younited group:
·        Younited operates in 5 European countries and generates nearly 50% of its business outside France.
·        The company has raised more than 330m€ in equity since launch.
·        Younited employs more than c. 550 Younies in Paris, Rome, Barcelona, Lisbon, and Munich.
 
Younited is already trusted by prestigious E-merchant and Digital Bank partners among which Free, Bouygues Telecom, Orange Bank, Microsoft, Bpifrance, Apple, N26, Fortuneo and Lydia.
 
Our 5 corporate values drive our daily job:
·        Make it simple: At every level of the customer experience, the organization. Be transparent.
·        Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.
·        Innovate or die: Challenge the status quo, no matter how impossible it seems.
·        Faster is better: Value speed over perfection. Be aligned on priorities.
·        No limit: Shot for the moon, stay humble.
 
We empower passionate problem-solvers to collaborate, innovate and do their best work.
We’re building diverse and inclusive teams around the world — because that’s how we create even better experiences for our customers and our partners. And we need your help. So, join us to build tomorrow, today.

📋 Context

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,
    • Deploy our models in our platform using tools and guidelines defined by the ML Engineers,
    • 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,
    • Drive the credit score roadmap prioritization based on business impact and model risk,
    • Exploit the full potential of external data sources for credit scoring available on each market (credit bureau, sociodemographic segmentation…),
    • Enhance the credit score development methodology,
    • Improve the credit scores ongoing monitoring (expected vs observed performances, population drift, data quality),
    • Manage a team of 3 data scientists and expand it to support Younited’s growth.

    • 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,
    • 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 5+ years of experience in a credit risk modelling environment,
    • You have an experience in managing/leading data scientists,
    • You are proficient in SQL & Python,
    • You are energetic, enthusiast, rigorous and a team player.
👥 Recruitment process​
- 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’)
- A video chat with Guillaume, Hiring Manager and Head of Data to get to know all details of this job posting (60’)
- A technical case in order to have an overview of your knowlegde (60'),
- A meeting with member of your future team in order to give you a complete overview of what your daily life is ! (60’)

🎁 Other benefits from joining Younited ?

- Offices in the center of Paris (9th)
- An international work environment and the opportunity to do a mission in one of our international offices (Barcelona, Munich, Roma)
- An entrepreneurship mindset and a teamwork spirit
- An individualized managerial and HR support during onboarding and throughout the Younited journey
- A continuous learning environment with the opportunity to take individual and collective trainings and "Friday workshops" in Tech department
- A particular attention to the work/life balance
- Support for young parents, including the opportunity of being part-time the week of return to the office
- The opportunity of getting involved throughout the year with associations via the solidarity engagement platform “Vendredi” as well as an annual offered solidarity day
- 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)
- 29 days of paid leave
- Luncheon voucher card
- Snacks and fruit baskets twice a week
- Team buildings in France, internationally (the famous YouniTour) and within your team

Younited is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.