Data Scientist - Credit Scoring (F/M)

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 4 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 and Lisbon.

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.

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

📋 Context

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.  

• Model Development 
• 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. 

• Model Deployment and Operational Integration 
• 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). 

• Risk Monitoring and Continuous Improvement 
• 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. 

• Strategic Roadmap and Governance 
• 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. 

• 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. 

👥 Recruitment 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')

🎁 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, Lisbon, 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

- Hybrid remote policy (until 2 remote days per week)

- 33 days of paid leave

- Luncheon vouchers worth €10, 60% paid by the employer

- Team buildings in France, internationally and within your team

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