Senior Data Scientist - Credit Risk

Creditstar; United States; Hybrid; USD 51,000 - 64,000; Full time

Benefits offered by this job

Flexible working hours

Remote work option

Office with games and snacks

Professional development sponsorship

Job summary

Creditstar Group is seeking a Senior Data Scientist to own the data science framework across the Group, driving underwriting development and actionable insights in multiple markets.

You will build predictive models, design experiments, and lead data science projects while coaching teammates and collaborating with Product, Risk, and Data Engineers. A startup mindset and English fluency are valued.

Qualifications

• 5+ years of professional data science experience.
• BS in Mathematics, Economics, Computer Science, Physics or Statistics.
• Strong SQL and Python skills.
• Experience in machine learning and statistical modeling.
• Analytical mindset and problem-solving ability.

Responsibilities

• Build models to predict customer payment behavior.
• Design A/B experiments and interpret results to inform decisions.
• Collaborate with stakeholders to analyze complex data and deliver insights.
• Mentor and review work of data analysts and scientists.
• Define data science strategy and communicate with management.

Skills

SQL

Python

Data analysis

Problem solving

Ownership

Coaching

Education

BS in Mathematics / Economics / CS / Physics / Statistics

Tools

SQL tooling

ML concepts

Job description

Creditstar Group is a rapidly growing international consumer finance company, headquartered in Tallinn, Estonia and operating in multiple European markets.

At the core, we are a financial technology company that uses automated processes, algorithms and data analysis to make financial instruments easily available to a population of more than 175 million people in our target markets. We are a team of ambitious professionals who value innovation, speed, high growth and high performance. For more information on the group, please visit www.creditstar.com.

Our vision is to build and deliver digital banking products of the future. If you want to be part of this, here is your chance.

YOUR POSITION: SENIOR DATA SCIENTIST

YOUR ROLE:

How about being a key player in driving the data strategy in the company? We are looking for a Data Scientist who will own and develop the data science framework for all our Products across the Group.

As a Data Scientist you will be at the forefront of underwriting development, defining how and what data should be collected to improve our decision making and enable discovery of actionable insights that will improve the experience of our customers in 8 countries. You will be helping Product and Risk Managers make data-informed decisions and lead your own projects. With us, you can push your creative ideas forward and take care of making innovation in the data-driven world!

YOUR DAILY ADVENTURES WILL INCLUDE:

• Build models based on data to predict customers' payment behavior.
• Design A/B experiments, analyze the results, and provide decision recommendations.
• Work in tight cooperation with stakeholders to analyze complex data and provide data-driven insights for business-critical decisions.
• Review the work and provide feedback to data analysts and data scientists.
• Share your knowledge and provide training on best practices in data processing and analytics methodologies.
• Define data science strategy, communicate and align it with the management and other teams.
• Propose, assess, prioritize, and lead data science projects.
• Work closely with data engineers to ensure the best possible data infrastructure across products.
• Research and implement best practices and standards in Data Science across product teams.

Requirements:

• At least 5 years professional experience related to data science.
• BS in Mathematics, Economics, Computer Science, Physics or Statistics.
• Excellent knowledge of SQL and Python (or a similar scripting language).
• Knowledge of machine learning and statistical modeling techniques.
• Strong analytical and problem-solving skills.
• Good project management skills.
• Proactive attitude, sense of ownership, ability to work autonomously but also to coach other team members.
• Having a startup mindset and willingness to work in a fast evolving environment.
• Fluency in spoken and written English.
• Passion about what you do.

BONUS POINTS IF YOU HAVE:

• Experience of project and people leadership.
• Previous work experience in the Financial/Fintech sector.

Benefits:

• Dynamic, challenging, and rewarding work within a rapidly growing international company;
• Chance to contribute to the business' decision-making processes and make a tangible impact;
• Talented and fun international team who always has your back;
• Supportive environment facilitating growth and achievement;
• Flexible working hours;
• Regular company parties and events;
• Office with games, pool table, free snacks/drinks and the possibility to work remotely;
• Powerful equipment and modern tools;
• On-demand sponsorship for your professional development;
• Competitive remuneration package.

Gross salary range for this position is €4000-€5000 per month.