Data Scientist - IFRS Modeling (F / H)

Younited Credit; Paris; Sur place; EUR 55 000 - 75 000; Plein temps

Résumé du poste

Younited Credit recherche un Data Scientist spécialisé en modélisation IFRS pour rejoindre son équipe de gestion de portefeuille de crédit. Le candidat jouera un rôle clé dans le développement des modèles de gestion des risques sous les normes IFRS, en garantissant la transparence et la conformité des rapports financiers. La position requiert un Master ou un PhD en statistiques ou domaines connexes et au moins 3 ans d'expérience en modélisation de risque de crédit, idéalement avec une expertise des normes IFRS.

Prestations

Travail à distance flexible

Congés généreux

Programmes de bien-être

Chèques-repas

Événements d'équipe

Qualifications

• Expérience d'au moins 3 ans en modélisation de risque de crédit avec expérience en modélisation IFRS.
• Compréhension approfondie des normes IFRS et des directives réglementaires.
• Rigueur analytique et attention aux détails.

Responsabilités

• Concevoir, développer et maintenir des modèles IFRS 9 avec des facteurs macroéconomiques.
• Définir les entrées macroéconomiques et modéliser leur impact sur les provisions.
• Déployer les modèles en production avec des ingénieurs en analyse.

Connaissances

SQL

Python

Analyse

Communication en anglais

Collaboration en équipe

Formation

Master ou PhD en statistiques, mathématiques, science des données, ingénierie

Description du poste

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 have 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. Our strategy promotes transparency and inclusiveness to help you achieve financial wellbeing. We are B Corp certified, emphasizing our social and environmental impact. Join Younited, the leading instant credit provider for the e‐economy in Europe, and be part of an exciting journey that is only beginning.

Some key figures about Younited group :

• 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.
• Trusted by prestigious partners like Iliad, Bouygues Telecom, Microsoft, Bpifrance, Apple, N26, Fortuneo, Smeg, and Thermomix.

Our corporate values :

1. Make it simple: At every level of the customer experience, the organization. Be transparent.
2. Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.
3. Innovate or die: Challenge the status quo, no matter how impossible it seems.
4. Faster is better: Value speed over perfection. Be aligned on priorities.
5. No limit: Shoot for the moon, stay humble.

We empower passionate problem-solvers to collaborate, innovate, and excel. We’re building diverse and inclusive teams worldwide to create better experiences. Join us to build tomorrow, today.

Position: Data Scientist specializing in IFRS modeling

You will be a core member of the Credit Portfolio Management team, involved in credit modeling, origination, valuation, investor relations, and balance-sheet monitoring within the Risk & Data department. Your role is vital in driving accurate, compliant risk provisioning under IFRS standards (IFRS 9, 13, 15, 7), ensuring transparency and robustness in financial reporting and risk management for a fast-growing, listed consumer lending business.

You will develop, deploy, and improve IFRS models, working closely with Finance, Risk, Analytics Engineering, and external stakeholders. Your work supports proactive risk management, regulatory compliance, and reliable financial insights.

Responsibilities:

• Design, develop, and maintain IFRS 9 models with macroeconomic factors and scenarios.
• Define macroeconomic inputs, construct scenarios, and model their impact on provisions.
• Ensure model outputs align with financial standards in collaboration with Finance and Accounting teams.
• Maintain up-to-date methodologies in line with IFRS standards, governance, and regulatory feedback.
• Deploy models into production with Analytics Engineers using GCP, DBT, etc.
• Document models for validation and audit purposes.
• Integrate IFRS models within provisioning and reporting pipelines.
• Contribute to risk analysis and reporting for governance bodies.
• Support validation reviews, audits, and regulatory inspections.
• Define and prioritize IFRS modeling roadmap in line with group strategy and regulations.

Profile:

• Master’s or PhD in statistics, mathematics, data science, engineering.
• At least 3 years in credit risk modeling, with IFRS model experience.
• Strong understanding of IFRS standards and regulatory guidelines.
• Proficient in SQL & Python.
• Analytical rigor, autonomy, attention to detail, team collaboration skills.
• Excellent English communication skills; French is a plus.
• Comfortable in a fast-paced, international environment.

Recruitment Process:

Includes initial video chat, interviews with team leaders, technical tests, business case, and final interview. Benefits include offices in Paris, international assignments, flexible remote work, generous holidays, wellness programs, meal vouchers, team events, and more.