Job Specifications
At Younited, we are reinventing credit and payments to make banking simple, transparent, and inclusive.
With over 1 million customers and prestigious partners such as Apple, N26, and Bouygues Telecom, we are the European leader in instant credit.
Operating in 4 countries with 500 employees, we are proud to be a certified B Corp, placing social and environmental impact at the heart of our strategy.
Our mission: to become the trusted financial partner for millions of people across Europe.
Join us and take part in a fast-growing adventure that is shaping the future of finance.
Context
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.
Key responsibilities
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.
Model Development and deployment :
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
Model Analytics & integration :
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
Governance :
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
About you
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)
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 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
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, ...
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