Data Scientist - Payments

IXOPAY; Germany (OH); Hybrid; USD 102,645 - 159,671; Full time

Benefits offered by this job

Competitive salary

Professional growth

International team

Flexible remote with Munich option

Job summary

IXOPAY is seeking a Data Scientist – Payments to help shape the future of our AI Payments Intelligence platform. You’ll develop ML models and AI-driven capabilities to transform payment data into actionable insights, collaborating with Engineering, Product, and customers across Germany and beyond.

In this hands-on role you will own the full data science lifecycle—from research and model development to production deployment and ongoing optimization—working with large-scale payment data from PSPs,

Qualifications

• 3+ years of experience in Data Science, ML, or AI.
• Strong Python skills and building production ML solutions.
• Experience with predictive models for anomaly detection, forecasting, or risk.
• Proficient with Pandas, NumPy, SciPy, and gradient-boosting frameworks (LightGBM, XGBoost, CatBoost).
• Experience with SQL and large-scale analytical databases.
• Excellent communication with technical and non-technical stakeholders.

Responsibilities

• Design, build, deploy, and maintain ML models that improve payment performance and operational efficiency.
• Develop AI-driven capabilities including anomaly detection, predictive analytics, intelligent routing, and automated decision-making.
• Own the end-to-end data science lifecycle, including data exploration, feature engineering, model validation, deployment, and monitoring.
• Work with large-scale payment transaction data from PSPs, acquirers, and gateways to deliver reliable, production-ready insights.
• Collaborate with Data Engineering and Backend teams to build scalable data pipelines, feature stores, and model-serving infrastructure.

Skills

Python

Data science

ML engineering

Statistical modelling

Communication

Education

Advanced degree in CS/Math/DS

Tools

Pandas

NumPy

SciPy

LightGBM

XGBoost

CatBoost

SQL

Docker

Kubeflow

Vertex AI

Snowflake

Grafana

Streamlit

Job description

About IXOPAY

IXOPAY is an enterprise‑grade global payment infrastructure platform built for the era of agentic commerce. We equip merchants and enterprises with AI‑driven intelligence, payment orchestration, advanced tokenization, and the tools to optimize every stage of the payments journey. From intelligent routing and compliance to customizable modules and enterprise‑scale orchestration, IXOPAY helps businesses integrate faster, improve payment performance, and expand globally with confidence.

At IXOPAY, our people are our greatest strength. Our collaborative culture is built on shared values that guide how we work, innovate, and support our customers.

About The Role

We’re looking for a Data Scientist – Payments to help shape the future of IXOPAY’s AI Payments Intelligence platform.

As part of our Data Science & Engineering team, you’ll develop machine learning models and AI‑driven capabilities that transform complex payment data into actionable insights. Working closely with Engineering, Product, and customers, you’ll build solutions that help global merchants optimize payment performance, improve conversion rates, detect anomalies, and manage risk.

This is a hands‑on role with ownership across the full data science lifecycle—from research and model development through production deployment and ongoing optimization.

What You’ll Do

• Design, build, deploy, and maintain machine learning models that improve payment performance and operational efficiency.
• Develop AI‑driven capabilities including anomaly detection, predictive analytics, intelligent routing, and automated decision‑making.
• Own the end‑to‑end data science lifecycle, including data exploration, feature engineering, model validation, deployment, and monitoring.
• Work with large‑scale payment transaction data from PSPs, acquirers, and gateways to deliver reliable, production‑ready insights.
• Collaborate with Data Engineering and Backend teams to build scalable data pipelines, feature stores, and model‑serving infrastructure.
• Monitor model performance, explainability, and drift to ensure reliable production systems.
• Partner with Product and Engineering teams to define new AI capabilities and bring them from concept to production.
• Contribute to data science best practices, technical standards, and the evolution of our AI platform.

What You’ll Bring

Required:

• 3+ years of experience in Data Science, Machine Learning, or Applied AI.
• Strong Python skills with experience building production machine learning solutions.
• Proven experience developing, deploying, and maintaining predictive models for anomaly detection, forecasting, optimization, or risk management.
• Experience with modern machine learning frameworks and libraries such as Pandas, NumPy, SciPy, and gradient boosting frameworks (e.g. LightGBM, XGBoost, or CatBoost).
• Strong understanding of statistical modelling, forecasting, and data analysis.
• Experience working with SQL and large‑scale analytical databases.
• Experience collaborating within cross‑functional engineering teams to deliver production AI solutions.
• Excellent communication skills and the ability to explain complex analytical concepts to technical and non‑technical stakeholders.

Preferred:

• Experience in payments, FinTech, fraud prevention, or financial services.
• Advanced degree in Computer Science, Mathematics, Physics, Data Science, or a related quantitative discipline.
• Experience with ClickHouse, DuckDB, Spark, Snowflake, or similar analytical platforms.
• Experience with cloud platforms such as AWS (including S3, Bedrock, Lambda, DynamoDB, or Cognito).
• Familiarity with Kubeflow, Vertex AI, Docker, CI/CD pipelines, and containerized deployment.
• Experience with data visualization and monitoring tools such as Grafana or Streamlit.
• Experience working in a startup or high‑growth technology environment.

Location

This is a remote‑friendly position based in Germany. We welcome applications from candidates across Germany or the European Union, with a preference for those located in or near Munich. You’ll have the flexibility to work remotely or from our Munich office.

Why Join IXOPAY?

At IXOPAY, you’ll help build the AI capabilities powering the next generation of enterprise payments. You’ll work on challenging machine learning problems using real‑world payment data, collaborate with experienced engineers and product leaders, and have the opportunity to shape a rapidly evolving AI platform.

We Offer

• Competitive salary and benefits
• Professional growth and development opportunities
• A collaborative, international team environment
• Flexible remote working with the option to work from our Munich office

Our Commitment to Inclusion

We know great candidates don’t always meet every qualification. If you’re excited about this opportunity, we encourage you to apply—we’d love to hear what you can bring to IXOPAY.

Equal Opportunity Employer

IXOPAY is committed to building an inclusive workplace where everyone can thrive. We welcome applications from all qualified candidates regardless of race, ethnicity, religion, gender, gender identity or expression, sexual orientation, age, disability, or any other characteristic protected by applicable law.