Senior Risk Data Scientist (Python/SQL/Credit Risk) - Hybrid Porto (Up to 2 days/week office, flexible)

HumanIT Digital Consulting; Porto; Híbrido; EUR 22.000 - 30.000; Tempo integral

Resumo da vaga

HumanIT Digital Consulting in Porto is seeking a Senior Risk Data Scientist to own credit risk models and deliver robust Python-based solutions for the financial services sector.

You will develop, train, calibrate and validate statistical and machine learning models for credit risk, including origination scoring and behavioural portfolio models. Strong Python and SQL skills, plus experience with Pandas and Scikit-learn, are essential.

Qualificações

• 5+ years of practical experience in Data Science or Predictive Modelling.
• Experience with credit risk, scoring or rating models.

Responsabilidades

• Extract, process and analyse large datasets to identify risk patterns and interpret predictive model results.
• Write scalable, modular Python code across the model lifecycle from data cleaning to productionisation.
• Test and implement libraries and algorithms that improve model accuracy and efficiency.
• Explain technical assumptions and algorithm behaviour clearly, with delivery ownership.

Conhecimentos

Analytical thinking

Critical thinking

Delivery focus

Formação

Bachelor’s or Master’s in quantitative field

Ferramentas

Python

SQL

Pandas

NumPy

Scikit-learn

SciPy

Statsmodels

XGBoost

LightGBM

Descrição da vaga

Senior Risk Data Scientist (Python/SQL/Credit Risk) - Hybrid Porto (Up to 2 days/week office, flexible)

Job Openings Senior Risk Data Scientist (Python/SQL/Credit Risk) - Hybrid Porto (Up to 2 days/week office, flexible)

About the job Senior Risk Data Scientist (Python/SQL/Credit Risk) - Hybrid Porto (Up to 2 days/week office, flexible)

ABOUT THE OPPORTUNITY

We are looking for a Senior Risk Data Scientist to join a technology organisation developing solutions for the financial services sector. With at least five years of hands-on experience in Data Science or Predictive Modelling, you will take technical ownership of credit risk models and combine advanced quantitative analysis with reliable, high-quality Python development.

PROJECT & CONTEXT

You will develop, train, calibrate and validate statistical and Machine Learning models for credit risk, including credit scoring for origination, behavioural scoring for portfolio management, and rating models. Your work will include interpreting results, making modelling decisions and ensuring analytical robustness and code quality.

• Extract, process and analyse large datasets to identify risk patterns and interpret predictive model results in their credit risk context.
• Write scalable, efficient and modular Python code across the model lifecycle, from data cleaning and ETL through to productionisation.
• Test and implement libraries and algorithms that improve model accuracy and efficiency.
• Explain technical assumptions and algorithm behaviour clearly, taking responsibility for delivery and technical decisions.

Based in Porto, this role offers a flexible hybrid model with up to two office days per week.

WHAT WE'RE LOOKING FOR (Required)

• Bachelor's or Master's degree in Mathematics, Statistics, Data Science, Physics, Engineering or a similarly quantitative field.
• At least 5 years of practical experience in Data Science or Predictive Modelling, with the maturity to work independently. This is a senior opportunity.
• Proven involvement in projects developing credit risk, scoring or rating models.
• Advanced Python programming and strong command of the data and Machine Learning ecosystem. Relevant libraries include Pandas, NumPy, Scikit-learn, SciPy, Statsmodels, XGBoost and LightGBM.
• Solid SQL for extracting and manipulating data in relational databases.
• Strong analytical and critical thinking, including handling outliers and missing values and drawing practical conclusions from complex data.
• Rigour and attention to detail in code, technical project autonomy and clear technical communication.
• Ownership, commitment to team objectives, delivery focus, flexibility and resilience.

English: B2 or above.

NICE TO HAVE (Preferred)

Ability to combine advanced analytical rigour with structured problem-solving.

Compensation: €2,000 – €2,700/month, depending on experience and seniority level.