Data Scientist

Help us use data to unlock opportunity. Our mission is to enable upward social mobility for people in diverse communities around the world by giving entrepreneurs - often excluded from traditional banking systems - access to credit. Data is at the core of how we make fair, fast, and responsible decisions. We’re looking for a Data Scientist to help us build and improve the credit risk models that power lending decisions across multiple countries and products. This is a hands-on, technical, growth-oriented role for someone ready to deepen their modeling and engineering skills in a real production environment. Key responsibilities: Build and improve credit scoring modelsApplication scorecards (new customers)Behavioral models (existing customers)Anti-fraud models (supervised and unsupervised)Perform feature engineeringCreate meaningful variables from raw transactional and behavioral dataWork with large, messy, real-world datasetsRun statistical analysis and validationIdentify and explain key risk driversValidate model performance and stabilitySupport the full model lifecycleFrom data → modeling → deployment → monitoring/validationContribute to reliable, production-ready modeling practices What we expect from You: Strong working knowledge of Python and SQLSolid foundation in statistics, hypothesis testing, and model evaluationPractical experience with machine learning algorithms (e.g., logistic regression, tree-based models, XGBoost)Ability to work independently with complex datasets and turn ambiguity into clear next stepsComfortable collaborating with stakeholders and explaining model results clearly Tools & technologies You will work with: Python & SQL (daily)ML: XGBoost, logistic regression, tree-based modelsData infrastructure: Snowflake (main warehouse), Apache Kafka (data pipelines), some exposure to TerraformDeployment & collaboration: Docker, GitFeature store (planned): Feast (offline in Snowflake + online features for production models) With us You will: GROW FASTERWork alongside smart, driven, and supportive teammatesReceive continuous feedback and real opportunities to improveTake full ownership of meaningful projects from day one MAKE AN IMPACT & WINSee your work directly influence business decisions and real-world outcomesMove fast in a low-bureaucracy, high-trust environmentHave full visibility into company goals, results, and strategyBe rewarded with a results-oriented bonusCelebrate achievements - big and small - together FEEL GOODEnjoy a hybrid work model in a modern, comfortable officeBenefit from flexible working hours that respect your life outside workFeel supported with health insurance and wellness initiativesBe part of an active social culture with regular team events