Data Scientist

  • Younited Credit
  • Paris, France
  • 24/11/2022
Full time Forex Fintech Analysts

Job Description

At Younited, we believe money allows people to purchase goods & services and realize their dreams, but today’s banking products are opaque & overly complex.

Here, we leverage innovation & cutting-edge technology to redefine lending and payment practices, to provide exceptional user experience

More than a million customers already had access to our instant, simple & transparent credit, and we are just getting started.

We both provide credit & payment solutions directly to consumers (Younited Credit / Younited Pay) & via partners (banks, fintech & insurers who wish to develop consumer loan activities and retailers, telcos, e-merchants who wish to offer their customers the simplest method to pay in several times). We also provide budget optimization solutions through “Younited Coach” to all consumers willing to receive personalized recommendations.

Our mission is to become your trusted financial partner. In this respect, our strategy aims at promoting more transparency and more inclusiveness to help you achieve financial wellbeing.

We have initiated a B-Corp certification process, our social and environmental impact being at the heart of our strategic concerns.

So join Younited, the leading instant credit provider for the e‐economy in Europe! Be part of an amazing adventure that is only at its beginning…

Some key figures about Younited group:

· Younited operates in 5 European countries and generates nearly 50% of its business outside France.

· The company has raised more than 330m€ in equity since launch.

· Younited employs more than c. 550 Younies in Paris, Rome, Barcelona, Lisbon, and Munich.

Younited is already trusted by prestigious E-merchant and Digital Bank partners among which Free, Bouygues Telecom, Orange Bank, Microsoft, Bpifrance, Apple, N26, Fortuneo and Lydia.

Our 5 corporate values drive our daily job:

· Make it simple: At every level of the customer experience, the organization. Be transparent.

· Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.

· Innovate or die: Challenge the status quo, no matter how impossible it seems.

· Faster is better: Value speed over perfection. Be aligned on priorities.

· No limit: Shot for the moon, stay humble.

We empower passionate problem-solvers to collaborate, innovate and do their best work.

We’re building diverse and inclusive teams around the world — because that’s how we create even better experiences for our customers and our partners. And we need your help. So, join us to build tomorrow, today.


As part of its continued growth and development, Younited is now looking to add a new data scientist to its team.

The datascience team is responsible for the improvement & automatization of the decision-making over risk, operations, and budget coaching.

  • Your responsabilities : Reporting to the Head of Data, and working closely with the data engineering & data analytics teams, you will be in charge of :

- Training new machine learning algorithm for Younited to continue improving its decision system, especially in the field of credit scoring & fraud detection,

- Ensuring the deployment of models to production in cooperation with tech teams & building the tools to monitor them,

- Contributing to the development of the data science team by participating to internal hackathons, brow bag seminars, and innovative POCs,

- Collaborating on innovative projects with major companies in the data science fields including Google, Microsoft, and other start-ups.

It's a match if ...

  • You have engineering background or similar with a Master’s degree or PhD in a relevant field (statistics, machine learning or mathematics),
  • You have more than 3 years of experience,
  • You have excellent skills in SQL & Python,
  • You are energetic, enthusiast, rigorous, team player,
  • You have previous experience in the field of image processing and/or reinforcement learning is a plus,
  • Preferably, you have a prior experience in a start-up environment.

Recruitment process

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

- A video chat with Guillaume, Head of Data, to get to know all details of this job posting (60'),

- A technical case in order to have an overview of your knowlegde (60'),

- A meeting with member of your future team in order to give you a complete overview of what your daily life is ! (60’)

Other benefits from joining Younited ?

- Offices in the center of Paris (9th)

- An international work environment and the opportunity to do a mission in one of our international offices (Barcelona, Munich, Roma)

- An entrepreneurship mindset and a teamwork spirit

- An individualized managerial and HR support during onboarding and throughout the Younited journey

- A continuous learning environment with the opportunity to take individual and collective trainings and "Friday workshops" in Tech department

- A particular attention to the work/life balance

- Support for young parents, including the opportunity of being part-time the week of return to the office

- The opportunity of getting involved throughout the year with associations via the solidarity engagement platform “Vendredi” as well as an annual offered solidarity day

- A flexible remote policy: from 8 days of remote per month with 2 weeks of full remote per year to almost full remote for Tech (minimum 4 days at the office per month)

- 29 days of paid leave

- Luncheon voucher card

- Snacks and fruit baskets twice a week

- Team buildings in France, internationally (the famous YouniTour) and within your team

Younited is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.