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Data Scientist - IFRS Modeling (F/H)

Ă€ propos

Chez Younited, nous pensons que l’argent est un moyen de réaliser ses rêves à travers des projets et des achats. Mais les produits bancaires actuellement proposés sont trop souvent opaques et compliqués. Notre constante innovation et nos technologies de pointe nous permettent de redéfinir les pratiques de crédit et de paiement, afin d’offrir une expérience utilisateur exceptionnelle pour plus de transparence et d’inclusion. Nous voulons aider nos clients à atteindre la sérénité financière. Pour cela, notre mission est de devenir le partenaire financier de confiance des Européens.

Nous sommes certifiés B Corp, notre impact social et environnemental étant au coeur de nos préoccupations stratégiques.

Nous fournissons à la fois des solutions de crédit et de paiement directement aux consommateurs.rices (Younited Credit / Younited Pay) et via des partenaires (banques, fintech & assureurs qui souhaitent développer des activités de prêt à la consommation et détaillants, telcos, e-commerçants qui souhaitent offrir à leurs clients la méthode la plus simple pour payer en plusieurs fois).

Nous proposons également des solutions d'optimisation budgétaire via " Younited Coach " à tous les consommateurs désireux de recevoir des recommandations personnalisées.

Quelques chiffres clés sur le groupe Younited :

  • 1 million de clients dans 4 pays europĂ©ens

  • Plus de 500 Younies employĂ©s dans nos bureaux Ă  Paris, Rome, Barcelone et Lisbonne

De nombreux partenariats avec des acteurs prestigieux tels que Iliad, Bouygues Telecom, Microsoft, Bpifrance, Apple, N26, Fortuneo, Smeg, Thermomix, etc.

Nos 5 valeurs d’entreprise qui nous guident au quotidien :

  • Make it Simple : A tous les niveaux de l’expĂ©rience client ou de l’organisation : choisir les solutions les plus simples. ĂŠtre transparent.

  • Act as an entrepreneur : Travailler en Ă©quipe. Oser, essayer, accepter d’échouer.

  • Innovate or die : Remettre en question le statu quo mĂŞme si cela parait impossible.

  • Faster is better : Valoriser la vitesse plutĂ´t que la perfection

  • No limit : ĂŠtre ambitieux.se, rester humble.

Descriptif du poste

đź“„Context

As a Data Scientist specializing in IFRS modeling, you will be a core member of the Credit Portfolio Management team, involved in credit modelling and origination, valuation, debt investors relation and Younited balance-sheet monitoring within the Risk & Data department.

You will play a key role in driving accurate and compliant risk provisioning under IFRS standards (IFRS 9, IFRS 13, IFRS 15, IFRS 7), ensuring transparency and robustness in the financial reporting and risk management framework of a fast-growing, listed consumer lending business.

You will be responsible for the development, deployment, and continuous improvement of IFRS models, working closely with Finance, Risk, Analytics Engineering, and external stakeholders (auditors, regulators). IFRS modeling is central to Younited’s ability to manage risk proactively while meeting evolving regulatory expectations and delivering reliable financial insights to governance bodies and strategic partners.

Your Responsibilities 🚀

In this role, your focus will be on developing and maintaining IFRS-compliant credit models, integrating them into operational processes, and ensuring their performance through rigorous monitoring and governance.

This role is critical in ensuring the optimization of our modelling and exposure, in the context of Younited being a listed entity with profitability objectives communicated to the market.

This a strategic and unique role as it covers data and model intensive activities while requiring to step back and get the global picture and address strategic questions directly with Exco members, in a context of a newly listed company, expanding product and consequently the suite of underling models.

Model Development & Analytics :

  • Design, develop, and maintain IFRS 9 models with macroeconomic factors and forward-looking scenarios.

  • Define and calibrate macroeconomic inputs, construct scenarios, and model their impact on provisions.

  • Ensure consistency between model outputs and financial accounting standards in collaboration with Finance and Accounting teams.

  • Maintain up-to-date methodology in line with evolving IFRS standards, internal governance, and regulatory feedback.

Deployment & Integration :

  • Deploy models into production in collaboration with Analytics Engineers using our modern tech stack (GCP, DBT...).

  • Ensure full model documentation aligned with internal validation and audit requirements.

  • Integrate IFRS models within the provisioning and reporting pipelines used for financial disclosures and internal reporting.

Monitoring & Governance :

  • Contribute to monthly and quarterly cost-of-risk analysis and reporting for internal governance (e.g., Risk Committees, Board).

  • Support model validation reviews, audits, and regulatory inspections.

  • Collaborate on defining and prioritizing the IFRS modeling roadmap in line with group strategy and evolving regulatory landscape.

Profil recherché

  • Master’s degree or PhD in quantitative fields such as statistics, mathematics, data science, or engineering.

  • Minimum 3 years of experience in credit risk modeling, with hands-on involvement in IFRS model development.

  • Strong understanding of IFRS methodology and regulatory expectations (e.g., ECB, EBA guidelines).

  • Proficient in SQL & python.

  • Strong analytical rigor, autonomy, attention to detail, and ability to work in cross-functional teams.

  • Excellent communication skills in both written and spoken English (French is a plus).

  • Comfortable working in a fast-paced environment with international collaboration (including auditors and group-level stakeholders).

Process de recrutement

  • A first video chat with Arthur, Talent Acquisition Manager, to get to know each other and tell you more about Younited, our corporate culture & values (30’)

  • An Interview with Joachim, Head of Credit Portfolio Management to discuss about the role and expectations (60’)

  • Online Technical Test

  • A Business Case to assess your skills (60’)

  • An interview with Ashvini (Senior Data Scientist) & Robin (Lead Analytics Engineer) (60’)

Informations complémentaires

  • Type de contrat : CDI
  • Lieu : Paris
  • Niveau d'Ă©tudes : Bac +5 / Master
  • ExpĂ©rience : > 3 ans
  • TĂ©lĂ©travail partiel possible
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