Data Scientist AI (F/M)

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 5 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, Lisbon, and Munich.

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

You will work on an ambitious environment sustained by a recent IPO & Fund raising enabling Younited to innovate on new product lines and consolidateon existing ones by reducing costs thanks to process automation.

Our data science team is made up of experienced professionals dedicated to using data for impactful decision-making. With 8 years of history and an average of 6 years of experience per team member, we have successfully deployed over 20 models (regular ML, deep learning & GenAI models) that power Younited’s lending decision engine, directly influencing our P&L (GMV).

Our data scientists are business-driven, pragmatic, and prioritize excellence through technical innovation, knowledge sharing, and continuous improvement. We use technologies like Python, GCP, classical machine learning, deep learning, and generative AI to solve complex business problems.

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

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🫵 About your profile

• 3 to 7 years of experience in data science, with solid expertise in machine learning; experience with Generative AI is a plus.
• Proficient in Python, SQL, and machine learning libraries/tools (scikit-learn, pandas, Polars, SHAP, etc.).
• Strong business acumen with a deep understanding of fintech challenges; pragmatic, proactive, and focused on delivering end-to-end business solutions.
• Analytical, curious, and solution-oriented; enjoy tackling complex problems and working as part of a team.
• Ability to clearly communicate results, simplify technical concepts for diverse audiences, and work independently while collaborating effectively.
• Passionate about technology and data, with a proactive approach to continuous learning.
• Keen interest in deploying models into production, taking ownership from development to deployment.

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🤝 About your future manager

• His background: Florian has been working at Younited for several years in the Data team and is now in charge of the Data Science AI team. Florian considers the role of Data Scientist at Younited to be central and an important driver of Younited’s growth.
• His view on the working approach at Younited and the position: The main goal is to implement solutions that allow for automation and thus scale Younited’s processes (granting, marketing, customer service, etc.). This position requires both proactivity and autonomy to deliver and manage projects in production.

👥 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 Florian, your Future Manager do discuss about the role and expectations (60')
• A Business Case to assess your skills in machine learning and modeling with 2 team members (90')
• Interview with a Guillaume, Head of Data (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
• The opportunity of getting involved throughout the year with associations as well as an annual offered solidarity day
• A flexible remote policy: from 8 days of remote per month to almost full remote for Tech (minimum 4 days at the office per month)
• 33 days of paid leave
• Luncheon voucher card
• Team buildings in France, internationally and within your team

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