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.

 

 

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…

 

·        Younited operates in 4 European countries and generates nearly 50% of its business outside France.

·        Younited employs about 500 Younies in Paris, Rome, Barcelona and Lisbon.

 

Younited is already trusted by prestigious E-merchant and Digital Bank partners among which Iliad, Bouygues Telecom, Microsoft, Bpifrance, Apple, N26, Fortuneo, Smeg and Thermomix.

 

·        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.

If you want to know more, click here: https://younited.com/about-us/careers/

As a Data Scientist specializing in IFRS modeling, you will be a core member of the Credit Portfolio Management team, involved in credit modelling and origination, valuation, debt investors relation and Younited balance-sheet monitoring within the Risk & Data department.

You will play a key role in driving accurate and compliant risk provisioning under IFRS standards (IFRS 9, IFRS 13, IFRS 15, IFRS 7), ensuring transparency and robustness in the financial reporting and risk management framework of a fast-growing, listed consumer lending business.

You will be responsible for the development, deployment, and continuous improvement of IFRS models, working closely with Finance, Risk, Analytics Engineering, and external stakeholders (auditors, regulators). IFRS modeling is central to Younited’s ability to manage risk proactively while meeting evolving regulatory expectations and delivering reliable financial insights to governance bodies and strategic partners.

Your Responsibilities 🚀

In this role, your focus will be on developing and maintaining IFRS-compliant credit models, integrating them into operational processes, and ensuring their performance through rigorous monitoring and governance.

This role is critical in ensuring the optimization of our modelling and exposure, in the context of Younited being a listed entity with profitability objectives communicated to the market.

This a strategic and unique role as it covers data and model intensive activities while requiring to step back and get the global picture and address strategic questions directly with Exco members, in a context of a newly listed company, expanding product and consequently the suite of underling models.

· Design, develop, and maintain IFRS 9 models with macroeconomic factors and forward-looking scenarios.

· Define and calibrate macroeconomic inputs, construct scenarios, and model their impact on provisions.

· Ensure consistency between model outputs and financial accounting standards in collaboration with Finance and Accounting teams.

· Maintain up-to-date methodology in line with evolving IFRS standards, internal governance, and regulatory feedback.

· Deploy models into production in collaboration with Analytics Engineers using our modern tech stack (GCP, DBT...).

· Ensure full model documentation aligned with internal validation and audit requirements.

· Integrate IFRS models within the provisioning and reporting pipelines used for financial disclosures and internal reporting.

· Contribute to monthly and quarterly cost-of-risk analysis and reporting for internal governance (e.g., Risk Committees, Board).

· Support model validation reviews, audits, and regulatory inspections.

· Collaborate on defining and prioritizing the IFRS modeling roadmap in line with group strategy and evolving regulatory landscape.

Your Profile 👇

· Master’s degree or PhD in quantitative fields such as statistics, mathematics, data science, or engineering.

· Minimum 3 years of experience in credit risk modeling, with hands-on involvement in IFRS model development.

· Strong understanding of IFRS methodology and regulatory expectations (e.g., ECB, EBA guidelines).

· 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 (French is a plus).

· Comfortable working in a fast-paced environment with international collaboration (including auditors and group-level stakeholders).

Recruitment Process 📅

· A first video chat with Arthur, Talent Acquisition Manager, to get to know each other and tell you more about Younited, our corporate culture & values (30’)

· An Interview with Joachim, Head of Credit Portfolio Management to discuss about the role and expectations (60’)

· Online Technical Test

· A Business Case to assess your skills (60’)

· An interview with Ashvini (Senior Data Scientist) & Robin (Lead Analytics Engineer) (60’)

🎁 Other benefits from joining Younited ?

-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