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 models
• Application scorecards (new customers)
• Behavioral models (existing customers)
• Anti-fraud models (supervised and unsupervised)
• Perform feature engineering
• Create meaningful variables from raw transactional and behavioral data
• Work with large, messy, real-world datasets
• Run statistical analysis and validation
• Identify and explain key risk drivers
• Validate model performance and stability
• Support the full model lifecycle
• From data → modeling → deployment → monitoring/validation
• Contribute to reliable, production-ready modeling practices

What we expect from You:

• Strong working knowledge of Python and SQL
• Solid foundation in statistics, hypothesis testing, and model evaluation
• Practical 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 steps
• Comfortable collaborating with stakeholders and explaining model results clearly

Tools & technologies You will work with:

• Python & SQL (daily)
• ML: XGBoost, logistic regression, tree-based models
• Data infrastructure: Snowflake (main warehouse), Apache Kafka (data pipelines), some exposure to Terraform
• Deployment & collaboration: Docker, Git
• Feature store (planned): Feast (offline in Snowflake + online features for production models)

With us You will:

GROW FASTER

• Work alongside smart, driven, and supportive teammates
• Receive continuous feedback and real opportunities to improve
• Take full ownership of meaningful projects from day one

MAKE AN IMPACT & WIN

• See your work directly influence business decisions and real-world outcomes
• Move fast in a low-bureaucracy, high-trust environment
• Have full visibility into company goals, results, and strategy
• Be rewarded with a results-oriented bonus
• Celebrate achievements - big and small - together

FEEL GOOD

• Enjoy a hybrid work model in a modern, comfortable office
• Benefit from flexible working hours that respect your life outside work
• Feel supported with health insurance and wellness initiatives
• Be part of an active social culture with regular team events