Senior Data Scientist- Credit Risk

vor 6 Monaten


Berlin, Deutschland Ratepay GmbH Vollzeit

ABOUT US

We dare to design the future of payments. Ratepay is energy and diversity and: custom-made state-of-the-art payment solutions. Established in 2009 we were a fintech before the word fintech even existed. Today we are the number one white-label Buy Now Pay Later payments provider in Europe handling over 1.5M transactions per month and we’re constantly growing.

We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 250 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having a will to win.

We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.

Tasks

YOUR MISSION

As a Senior Data Scientist (M/F/d) you will develop our real-time credit risk scoring systems in terms of logic as well as its research and production pipelines.

Our risk management platform processes a high volume of transactions daily, ensuring secure payments for merchants and customers while strategically managing risk and enhancing profitability. We are seeking a skilled Data Scientist to play a key role in advancing our credit risk assessment capabilities through the research, development and deployment of cutting-edge Machine Learning algorithms.

**Requirements**:
THAT'S WHAT YOU BRING ALONG
- 5+ years of professional experience working in data science or machine learning.
- A degree in Data Science, Computer Science, Information Technology, Statistics, or a related field.
- Strong engineering skills in Python, with a deep understanding of clean code principles, quality and maintainability.
- Good understanding of SQL and SQL databases, with the ability to efficiently retrieve and manipulate data. Capability to design and build data pipelines that feed models in research environments, and, ideally, experience in constructing simple, production-ready pipelines.
- Proficiency in deploying machine learning systems in a scalable, reliable, and low-response-time production environment.
- Proficiency in the design of algorithmically powered products, including the ability to conceptualize and develop innovative solutions to complex problems.
- "Getting Things Done" Attitude: A proactive and results-oriented mindset, demonstrating a strong commitment to delivering tangible outcomes and driving projects to completion.

**Benefits**:
THAT'S HOW WORKING WITH US WILL BE

**Stability & Innovation**: Become part of a dynamic fintech company that is transforming the financial industry through innovation and technology.
- Ratepay is part of the NEXI Group - one of the biggest financial groups in Europe

**Team & Culture**: Work with a diverse and talented team (we have 40+ nationalities) committed to pushing boundaries and setting new standards.
- Regular company and team events (summer party, all-hands, guest speakers, conferences & events)
- Community Connect - you have the chance to get involved in one of our social projects, as part of our sustainability initiative
- Brand new super modern office in the heart of Berlin for collaboration

**Growth**: Unlock endless opportunities for professional development and advancement as you drive fintech excellence.
- Free language learning opportunities for those who want to improve their English or German
- Access to learning platforms to attend conferences for example. And if included in your P&D goals, you can attend additional training sessions
- Personal Development Plans - your career progression is taken seriously with us

**Flexibility**: We offer flexible working hours and hybrid working options to balance work and family life.
- Become a digital nomad: Work with Ratepay from any EU country for up to 3 months per year
- Ratepaw community: Our office has a floor which is dog-friendly. So, bring your pawsome pet to work when needed

**Rewards & Health**: Enjoy a competitive salary and benefits package that reflects your expertise and contributions.
- 28 vacation days
- Generous private pension scheme
- Flexible benefits - You have a monthly budget of 30 euros to choose between several benefits, for example, public transport subscription, grocery stores voucher, sports clubs, and many others
- Access to a corporate benefits platform where employees can get great discounts and offers for a range of online shops and activities
- Seasonal vaccinations, health checks and eye exams
- Employee Bereavement plan

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