Data Scientist

CRIF; Kraków; On-site; PLN 180,000 - 280,000; Full time

Benefits offered by this job

Stable employment

Comprehensive benefits package

Language courses

Team-building activities

Professional development opportunities

Social responsibility initiatives

Job summary

CRIF is seeking experienced professionals in Kraków to develop, validate, and monitor credit scoring and other statistical risk models. You will participate in the full model lifecycle and collaborate with risk experts and technical teams to deliver robust analytical solutions.

You will alternate between Model Developer and Model Validator roles, process data for modeling activities, and support regulatory reviews including KNF and ECB.

Qualifications

• 4+ years of experience in credit risk modeling or related analytics.
• Strong SQL skills and advanced knowledge of Python or R.
• Solid background in statistics, econometrics, and predictive modeling.
• Hands-on experience in model validation and model monitoring.
• Ability to critically assess methodologies, challenge assumptions, and defend analytical solutions.
• Awareness of personal data protection issues.
• Strong communication skills in Polish and English.

Responsibilities

• Develop a deep understanding of the business context to align analysis with goals.
• Develop and enhance CREDIT SCORING and OTHER STATISTICAL RISK MODELS.
• Participate in the full model lifecycle: development → validation → implementation → monitoring → recalibration/redevelopment.
• Perform independent validation of models developed by others.
• Alternate between the roles of Model Developer and Model Validator across projects.
• Prepare, process, and analyze data used in modeling activities.
• Conduct validation testing and challenge model assumptions, methodologies, and outcomes.
• Monitor model performance and identify the need for recalibration or redevelopment.
• Prepare development, validation, and monitoring reports.
• Create and maintain model documentation compliant with internal governance and regulatory requirements.
• Collaborate with business stakeholders, risk experts, and technical teams.
• Support regulatory reviews and audits, including requests from supervisory authorities such as KNF and ECB.
• Prepare and deliver daily, weekly, monthly and quarterly reports, operational metrics, and other relevant business data.

Skills

Credit risk modeling

SQL

Python

R

Statistics

Model validation

Monitoring

Communication (Polish/English)

Tools

SQL

Python

R

Job description

CRIF is an international group specializing in IT solutions, decisioning systems, banking software, outsourcing and consulting services. We support banks, financial institutions, insurance companies, and enterprises by delivering data-driven solutions and advanced analytics.

As our team continues to grow, we are looking for professionals interested in developing, validating, and monitoring scoring models. We welcome both experienced specialists and ambitious analysts looking to build their careers in risk modeling.

Responsibilities

• Develop a deep understanding of the business context surrounding the data, ensuring that the analysis is aligned with business goals and priorities.
• Develop and enhance CREDIT SCORING and OTHER STATISTICAL RISK MODELS.
• Participate in the entire model lifecycle: development → validation → implementation → monitoring → recalibration/redevelopment.
• Perform independent validation of models developed by other team members.
• Alternate between the roles of Model Developer and Model Validator across projects.
• Prepare, process, and analyze data used in modeling activities.
• Conduct validation testing and challenge model assumptions, methodologies, and outcomes.
• Monitor model performance and identify the need for recalibration or redevelopment.
• Prepare development, validation, and monitoring reports.
• Create and maintain model documentation compliant with internal governance and regulatory requirements.
• Collaborate with business stakeholders, risk experts, and technical teams.
• Support regulatory reviews and audits, including requests from supervisory authorities such as KNF and ECB.
• Prepare and deliver daily, weekly, monthly and quarterly reports, operational metrics, and other relevant business data, ensuring accuracy, consistency, and timeliness.
• Cooperation with other teams working on projects for Clients.

Key skills:

• 4+ years of experience in credit risk modeling or a related analytical field.
• Strong SQL skills and advanced knowledge of Python or R.
• Solid background in statistics, econometrics, and predictive modeling.
• Hands-on experience in model validation and model monitoring.
• Ability to critically assess methodologies, challenge assumptions, and defend analytical solutions.
• Awareness of personal data protection issues.
• Strong communication skills in Polish and English languages.

Additional bonus skills:

• Experience with credit scoring models, PD, LGD, EAD, or IFRS 9 methodologies.
• Good understanding of the banking regulatory environment.

Our offer

• Stable employment in a growing international company.
• Opportunity to work across the full lifecycle of credit risk models.
• Direct impact on analytical products and methodologies.
• Comprehensive benefits package.
• Technical and soft-skills training programs.
• Knowledge-sharing environment and cooperation with experienced risk professionals.
• Language courses and professional development opportunities.
• Team-building and social responsibility initiatives.
• Trial period on-site.

Administratorem danych jest CRIF Sp. z o.o. z siedzibą w Krakowie, ul. Lublańska 34, 31-476 Kraków. Dane przekazane w ramach aplikowania o pracę będą przetwarzane w celach związanych z procesem rekrutacji. Przysługuje Państwu prawo dostępu do danych, ich sprostowania, usunięcia lub ograniczenia przetwarzania oraz w niektórych przypadkach prawo do sprzeciwu. Więcej informacji znajduje się na stronie www.crif.pl/polityka-prywatności/kandydaci-do-pracy/.