Senior Data Scientist - Credit Risk

Creditstar Group; España; Hybrid; EUR 45,000 - 56,000; Full time

Benefits offered by this job

Remote work option

Office with games and snacks

Professional development sponsorship

Flexible working hours

International team environment

Job summary

Creditstar Group in Spain is seeking a Senior Data Scientist to own the data science framework across the Group's products. You will drive data strategy and enable data-informed decisions in multiple markets.

You will build models, run experiments, and collaborate with Product and Risk teams while mentoring analysts. This role offers a dynamic, international environment with growth opportunities and flexible work options.

Qualifications

• 5+ years of professional data science experience.
• Strong SQL and Python expertise.
• Experience with ML models and statistical methods.
• Analytical thinker with ownership and collaboration.
• Proven ability to lead projects.

Responsibilities

• Build predictive models to forecast customer payment behavior.
• Design and analyze A/B experiments.
• Collaborate with product and risk teams for data-driven decisions.
• Mentor data analysts and other scientists.
• Define and align the data science strategy with management.
• Work with data engineers to improve data infrastructure.
• Share best practices in data processing and analytics.
• Lead data science projects.

Skills

SQL

Python

Machine learning

Statistical modeling

English fluency

Education

BS in Mathematics, Economics, Computer Science, Physics or Statistics

Job description

YOUR POSITION: SENIOR DATA SCIENTIST

Creditstar Group is a rapidly growing international consumer finance company, headquartered in Tallinn, Estonia and operating in multiple European markets.

At the core, we are a financial technology company that uses automated processes, algorithms and data analysis to make financial instruments easily available to a population of more than 175 million people in our target markets. We are a team of ambitious professionals who value innovation, speed, high growth and high performance. For more information on the group, please visit www.creditstar.com.

Our vision is to build and deliver digital banking products of the future. If you want to be part of this, here is your chance.

YOUR ROLE:

How about being a key player in driving the data strategy in the company? We are looking for a Data Scientist who will own and develop the data science framework for all our Products across the Group.

As a Data Scientist you will be at the forefront of underwriting development, defining how and what data should be collected to improve our decision making and enable discovery of actionable insights that will improve the experience of our customers in 8 countries. You will be helping Product and Risk Managers make data-informed decisions and lead your own projects. With us, you can push your creative ideas forward and take care of making innovation in the data-driven world!

YOUR DAILY ADVENTURES WILL INCLUDE:

• Build models based on data to predict customers' payment behavior
• Design A/B experiments, analyze the results, and provide decision recommendations
• Work in tight cooperation with stakeholders to analyze complex data and provide data-driven insights for business-critical decisions
• Review the work and provide feedback to data analysts and data scientists
• Share your knowledge and provide training on best practices in data processing and analytics methodologies
• Define data science strategy, communicate and align it with the management and other teams
• Propose, assess, prioritize, and lead data science projects
• Work closely with data engineers to ensure the best possible data infrastructure across products
• Research and implement best practices and standards in Data Science across product teams

Requirements:

• At least 5 years professional experience related to data science
• BS in Mathematics, Economics, Computer Science, Physics or Statistics
• Excellent knowledge of SQL and Python (or a similar scripting language)
• Knowledge of machine learning and statistical modeling techniques
• Strong analytical and problem-solving skills
• Good project management skills
• Proactive attitude, sense of ownership, ability to work autonomously but also to coach other team members
• Having a startup mindset and willingness to work in a fast evolving environment
• Fluency in spoken and written English
• Passion about what you do

BONUS POINTS IF YOU HAVE:

• Experience of project and people leadership
• Previous work experience in the Financial/Fintech sector

Benefits:

• Dynamic, challenging, and rewarding work within a rapidly growing international company;
• Chance to contribute to the business' decision-making processes and make a tangible impact;
• Talented and fun international team who always has your back;
• Supportive environment facilitating growth and achievement;
• Flexible working hours;
• Regular company parties and events;
• Office with games, pool table, free snacks/drinks and the possibility to work remotely;
• Powerful equipment and modern tools;
• On-demand sponsorship for your professional development;
• Competitive remuneration package

Gross salary range for this position is €4000-€5000 per month.