Data Scientist - Credit Risk Modeling (F/H)

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 Credit Risk modeling, you will be a core member of the Credit Modelling and Portfolio Management team within the Risk & Data department, involved in credit modelling (scoring, PD/LGD, valuation) and credit exposure optimization (debt investors relation, NPL strategy, balance-sheet monitoring).

You will play a key role in developing and maintaining robust credit risk models that support both new loan origination and portfolio valuation, ensuring transparency and proactive risk management for a fast-growing, listed consumer lending business.

This role is strategic and unique, combining data-intensive modeling with the ability to step back and address high-level questions directly with ExCo members, in a context of a newly listed company expanding its product suite and underlying models.

In this role, your primary focus will be on developing and maintaining PD/LGD/EAD models, integrating them into operational processes, and ensuring their performance through rigorous monitoring and governance. This is 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 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

- Adress ad-hoc segments

- 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

- 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)

- 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 and a Business Case to assess your skills (60’)

- An interview with Ashvini (Senior Data Scientist) (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