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.

• Younited employs about 500 Younies in Paris, Rome, Barcelona and Lisbon.

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

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 Data Scientist, You will be owner on you machine learning models from end to end : from ideation, modelization and deployment. The topics are diversified, such as marketing optimization, document analysis and fraud detection.

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 Data Scientist 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).
• Familiarity 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.

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 Julien, Lead Data Scientist to discuss about the role and expectations (60')

- Online Technical Test

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

- Team Fit Interview (60')

Other benefits from joining Younited ?

-Offices located in the heart of Paris (9th arrondissement)

-An international work environment and the opportunity to go on assignments in our offices abroad (Barcelona, Lisbon, Rome)

-An entrepreneurial mindset and strong team spirit

-Personalized managerial and HR support during onboarding and throughout your Younited journey

-A continuous learning environment with access to internal and external training, an e-learning platform, and "Friday workshops" within the Tech team to support everyone's development

-A strong focus on work-life balance

-A parenthood charter to support all family-related projects, with key measures

-Special leave for major life events, often more generous than legal requirements

-A hybrid remote work policy: 2 to 3 days of remote work per week depending on the team, and the option to work fully remotely for one week twice a year

- 33 days paid holiday, i.e. 8 more than the statutory 25 days (instead of the traditional RTT)

-Access to the Wellpass platform (formerly Gymlib) with over 4,000 fitness and wellness activities across France at a discounted rate

-Meal vouchers (€10 per day, 60% covered by the company)

-Team buildings in France (Summer Party & Winter Party), abroad, and within your team

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