Head of Risk Modeling (F/M)

• The scope of responsibilities for this position includes:
• Credit scoring: develop & deploy credit scores on all our products (direct & via partners,personal loan & assigned credit, across all countries).
• Development of fraud detection models to identify and prevent fraudulent credit applications.
• Modeling of portfolio dynamics to gain insights into the behavior and performance of our portfolios over time.
• Recovery modeling, including both prioritization and forecasting of recovery performance, to optimize strategies for recovering outstanding debts.


• As the Head of Risk Modeling, your key missions will involve
• Prioritizing the roadmap based on business impact and model risk,
• Manage a team of 3 data scientists and expand it to support Younited’s growth,
• Understand the role of the credit scores in the decision engines and identify limitations and improvement ideas to maximize business impact for the Direct and Via partner lines of business,
• Develop performant & robust models using state-of-the-art statistical & machine learning techniques,
• Maximizing the utilization of external data sources in the various models (e.g., credit bureau),
• Enhancing the methodology for developing various scores,
• Ensuring correct deployment into production with Machine Learning engineers.
• Participating in the monitoring of various models in close liaison with the risk teams.
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• Collaborate effectively with all stakeholders : risk teams, business lines, product & tech teams.
• Communicate with executive committee members, investors, regulatory authorities, and partners.

🫵 About your profile

• Master's or Ph.D. in a quantitative field such as Statistics, Mathematics, or Data Science. · Extensive experience (5+ years) in risk modeling within the financial industry, with a proven track record of leading successful projects.
• Strong proficiency in statistical modeling techniques, with expertise in Python programming language.
• Excellent leadership and communication skills, with the ability to effectively manage a team and collaborate cross-functionally.
• Familiarity with regulatory requirements and best practices in risk modeling.
• Proactive mindset with a focus on continuous improvement and innovation.

🫵 About your profile

• Master's or Ph.D. in a quantitative field such as Statistics, Mathematics, or Data Science. · Extensive experience (5+ years) in risk modeling within the financial industry, with a proven track record of leading successful projects.
• Strong proficiency in statistical modeling techniques, with expertise in Python programming language.
• Excellent leadership and communication skills, with the ability to effectively manage a team and collaborate cross-functionally.
• Familiarity with regulatory requirements and best practices in risk modeling.
• Proactive mindset with a focus on continuous improvement and innovation