Algoan is a Fintech founded in 2018 that transforms the way credit decisions are made through its scoring and budget analysis solutions based on Open Banking. Our API-based products enable financial institutions to optimize their decision-making processes by analyzing the banking data of loan applicants.

As a European leader in this field, we collaborate with major players (Sofinco, Cofidis, Revolut, etc.) to enhance user experience and acceptance rates while reducing the risk of over-indebtedness across various use cases (installment payments, consumer credit, car financing, etc.). Algoan strives to make credit more accessible to a broader audience, with security and compliance at the heart of its priorities.

Key figures:

• We are a team of 30 people.


• We have raised over €10 million.


• Our API is available in 6 European countries.


• We are ISO 27001 certified and regulated by the ACPR.


• Our data stack: Our core technologies include MongoDB, DataFlow, BigQuery, dbt, Python, and git.

We are looking for a motivated and talented Data Science Intern to review performance and improve our models. This internship is a unique opportunity to work on a high-impact project at the core of our product offering, in a fast-paced and innovative environment. Under the supervision of a Senior Data Scientist, you will:

• Explore, preprocess, and enrich Open Banking datasets to extract meaningful features.


• Benchmark model performance with respect to existing models, and business objectives such as acceptance and default rates on our different portfolios.


• Identify and mitigate biases, ensure model robustness and regulatory compliance.


• Present findings and results internally and possibly to clients.


• Collaborate with Product and Tech teams to improve the models.

• Currently enrolled in a Master’s degree in Data Science, Applied Mathematics, or similar.


• Solid knowledge in statistical modeling and machine learning algorithms.


• Strong analytical skills, autonomy, and problem-solving mindset.


• Solid Python skills (pandas, scikit-learn, Jupyter, etc.).


• Interest in fintech and responsible credit scoring.


• Experience with scoring models development is a strong plus.

• A hands-on project with real impact on the product and our clients.


• A collaborative, data-driven team environment.


• Mentorship from experienced Data Scientists.


• A chance to discover the inner workings of a product-focused, API-first fintech startup.