Data Scientist

Held by the Crédit Agricole Group, one of the largest European banking groups, Banco Credibom operates in consumer credit and is the leader in automobile financing. Present in Portugal since 1995, it provides personalized advice to customers and partners with flexible, transparent credit solutions adapted to their needs.

Mission:

Be part of the Modelling and Innovation area within the Credit Department, boosting analytic power for client’s profiling within credit acceptance, recovery in collections, fraud prevention and also to participate on innovative projects like Open Banking, Green financing or Younger people, and globally investigating new ideas or developing Generative AI use cases.

Qualifications:

• Graduate from STEM degree (@science, @technology, @engineering or @maths);
• Expertize using SQL databases (bonus for experience with operational and data warehouse systems);
• Expertize using statistical computer languages (Python, R, etc.) to manipulate data and specially to draw added value insights from large data sets;
• Knowledge of a variety of machine learning techniques and advanced statistical techniques (factor analysis, clustering, decision tree learning, xgboost, artificial neural networks, regression, properties of distributions, statistical tests);
• Experience visualizing/presenting data for stakeholders using python mathplot lib, shiny server in R or PBI;
• Experience on Data Architecture and/or Cloud tools;
• Experience automating tasks in production environments;

Will be well valued:

• Knowledge, or better yet, real experience with Open Banking environments, data categorization or use within credit acceptance or know-our-customer policies;
• Knowledge of Credit risk in the banking industry (Scorecards, Acceptance workflows, Cost of risk, Risk based Pricing)
• Experience with Machine Learning operations and understanding of the deployment process into real production of those models
• Knowledge of Apache Hadoop and Apache Spark

What to expect challenges and daily routines:

Build, test, and maintain database pipeline architectures, machine learning models or decision-based systems;

• Develop algorithms to transform data into useful, actionable information;
• Develop processes and tools to monitor evolution and evaluate performance and data accuracy of models;
• Use predictive modelling to improve credit risk at new production or at outstanding portfolio;
• Develop the Open Banking capabilities to improve credit risk modelling

Location:

Lisbon (preferably) or Porto office, mixed with Teleworking 3 to 4 days a week.

Immediate availability. Temporary replacement contract due to maternity leave (mandatory).

At Banco Credibom, we are inclusive. We promote equality and respect for diversity in all areas of the company, encouraging tolerance and well-being for everyone. For this reason, all candidates who participate in our recruitment processes are evaluated based on their experience and skills, without considering criteria that could create any type of discrimination, such as gender, age, race, religion, among others.