Younited

1 Job

593 Employees

About the Company

We’re hiring ! Find all our job positions here : https://bit.ly/join-us-at-younited

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About Younited:

Younited is the leading instant credit provider for the e-economy in Europe. Constant innovation, cutting-edge technology and exceptional user experience have allowed nearly a million customers to have access to instant, simple and transparent credit to refurbish their home, go on holiday, or buy a new smartphone. Younited provides instant credit throughout the customer journey, shopping or banking, online or in store, with a single Younited customer experience. Up to €50,000. Up to 84 months. Instantly.

Younited is the leader in 5 European countries and generates more than 2 billion euros in yearly GMV, with nearly 50% of its business outside France. As the pioneer in personalized budget coaching, Younited deploys a credit strategy at the service of all to promote more transparency and more inclusiveness. Younited has launched the process to become a certified B-Corp.

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Younited is fully EU-authorized as a Credit Institution - Investment services provider by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF) since the 23/09/2011 (Authorization number : 16488).

Younited was founded by Charles Egly (ex-BNP Paribas, Group CEO) and Geoffroy Guigou (ex-McKinsey, COO).

To read our charter regarding the protection of your personal data, please visit : https://bit.ly/younited-legal-careers

Listed Jobs

Company Name: Younited
Job Title: Data Scientist - Credit Risk Modeling (F/H)
Job Description: **Job Title:** Data Scientist - Credit Risk Modeling **Role Summary** Core member of Credit Modelling and Portfolio Management team within Risk & Data department, focused on developing and maintaining credit risk models (PD/LGD/EAD) to support loan origination, portfolio valuation, and risk governance for a fast-growing consumer lending business. **Expectations** Strategic collaboration with senior leadership (ExCo), integration of stakeholder feedback, model deployment in production environments, and adherence to regulatory standards. **Key Responsibilities** - Develop, maintain, and deploy PD/LGD/EAD models for credit risk assessment and portfolio management. - Integrate feedback from investors, rating agencies, and internal stakeholders into modeling processes. - Deploy models using Python, DBT, and BigQuery, ensuring alignment with governance protocols for audits and compliance. - Provide data-driven insights to business units and risk teams on credit risk evolution. - Lead half-yearly assumption reviews with CEO, CRO, and CFO; support model validation, audits, and regulatory inspections. - Collaborate on credit risk modeling roadmaps aligned with organizational strategy. **Required Skills** - 2–5 years’ experience in credit risk modeling with direct hands-on PD/LGD/EAD model development. - Proficiency in SQL and Python for model implementation and analytics. - Strong analytical rigor, attention to detail, and autonomous problem-solving in cross-functional teams. - Clear communication skills (written/verbal) for presenting technical outputs to senior leadership. - Ability to balance technical modeling tasks with strategic decision-making in a fast-paced, international environment. **Required Education & Certifications** - Master’s or PhD in Statistics, Mathematics, Data Science, or related quantitative field. - No certifications specified.