Payments Data Scientist - AI-Driven Insights & Optimization

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

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,