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 4 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 and Lisbon.

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.

If you want to know more, click here: https://younited.com/about-us/careers/

Context

As a Senior Machine Learning Engineer, you will lead the deployment, and optimization of ML/AI models across diverse use cases, from credit scoring to document analysis and generative AI. You'll also shape best practices, build tools, and act as a key advocate for ML engineering excellence within and outside the organization.

Your responsabilities :

• Develop machine learning models and data pipelines to address various business challenges, enhancing system efficiency and accuracy.
• Work closely with data engineers and machine learning engineers to ensure effective production deployment of models.
• At Younited, Data Scientists also act as project managers on their topics.
• Collaborate with a wide range of stakeholders: local business units across four countries (FR, IT, ES, PT) , risk, product, and support functions (finance, compliance, etc.), and local business units across four countries (FR, IT, ES, PT) to enhance products and processes through data-driven insights.
• Experiment with new techniques and propose innovative solutions for operational challenges.
• Your Scope
• You will work in a rigorous and challenging environment to support the growth and scalability of Younited's solution, committed to automating as many steps as possible in the credit approval decision process
• Your models will have a direct financial impact on Younited
• You'll work on the topics of the Data Science AI team, which is developing & maintaining a wide range of solutions across the entire value chain of Younited, ranging from marketing to fraud detection, with a high focus on:
• Deploying GenAI models for our operations (Customer Service, Granting decision, Collections & Marketing)
• Open banking analysis (the root of our automated decision process) based on NLP models to extract and aggregate information of bank statements

About your profile

• Education: Master's or PhD in Computer Science, Data Science, Applied Mathematics, or a related field.
• Experience: 5+ years in Machine Learning Engineering, with proven experience deploying and managing production-grade ML systems.
• Advanced expertise in Python and ML frameworks (PyTorch, scikit-learn, etc.).
• Deep understanding of Google Cloud Platform (GCP) and its services (Vertex AI, BigQuery, Cloud Functions).
• Mastery of MLOps practices (CI/CD, Docker, model registry).
• Familiarity with generative AI technologies and large-scale model deployment.
• Strong ability to document and communicate complex technical workflows.
• Strategic thinking and a focus on impactful, scalable solutions.
• Proactive and autonomous, with a passion for driving technical excellence.
• Collaborative mindset, with the ability to align cross-departmental goals.
• Business acumen and result-oriented approach, with a clear understanding of business challenges and the ability to align technical solutions with strategic objectives.

About your future manager

• His background : Guillaume has been working at Younited for 3 years and leads the central Data team, which is composed of three sub-teams: Data Science & AI, Analytics Engineering, and Machine Learning Engineering. His perspective on Younited's working approach and the position:
• His view on the working approach at Younited and the position The Machine Learning Engineer plays a key role, as they are responsible for deploying innovative and high-performing models into production, sometimes on the critical path of a credit application, while ensuring these implementations comply with our production standards. They also provide tools for data scientists to make model development as efficient as possible.

Recruitment process

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

- An Interview with Guillaume, Head of data to discuss about the role and expectations (60')

- Online Technical Test

- A Business Case to assess your skills (60')

- Interview with a Lead Data Scientist (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, Lisbon, 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

- Hybrid remote policy (until 2 remote days per week)

- 33 days of paid leave

- Luncheon vouchers worth €10, 60% paid by the employer

- Team buildings in France, internationally and within your team

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