As a Data Scientist you will be at the forefront of underwriting development, defining how and what data should be collected to improve Creditstar Group's decision making and enable discovery of actionable insights that will improve the experience of our customers in 8 countries. You will be helping Product and Risk Managers make data-informed decisions and lead your own projects. With Creditstar Group, you can push your creative ideas forward and take care of making innovation in the data-driven world!
- Develop and refine our consumer loan credit scoring and policy, ensuring effective risk management
- Conduct model back-testing, run A/B tests, analyze outcomes, and make informed recommendations for decisions
- Apply advanced statistics to predict customer behavior and anticipate future demands
- Continuously improve our credit policy, collaborating with product and tech teams for implementation
- Build decision models using open banking and other unique data sources
- Enhance our affordability policy to consistently achieve positive customer experiences
- Collaborate with data engineers to maintain a robust data infrastructure
- Analyze our loan portfolio's performance, identify improvement areas, and suggest strategic adjustments
- Partner with the product team to develop and evaluate pricing models based on portfolio results
- Work with the marketing team to refine customer acquisition strategies, focusing on customer quality
- Lead the data science strategy, create clear reports, and ensure alignment with management and various teams
- Establish and maintain high standards and best practices in data science
- Fluent in English, both spoken and written
- Minimum 4 years of experience in credit risk within a consumer lending setting
- Proficient in handling and analyzing large datasets using SQL and Python
- Bachelor's degree in Mathematics, Economics, Computer Science, Physics, or Statistics
- Experienced in using open banking and other data sources for consumer loan products
- You are experienced in visualization and storytelling through data and passionate about turning data into actionable business insights and driving decision-making
- You're organized with your time and able to work effectively with cross-functional teams including tech, data science, finance, and product
- Great team management and leadership skills
- Highly curious, constantly seeking to learn, improve, and share knowledge
- Adaptable, with a startup mindset, ready for a fast-paced environment
- Dynamic, challenging, and rewarding work within a rapidly growing international company;
- Chance to contribute to the business' decision-making processes and making a tangible impact;
- Talented and fun international team who always has your back;
- Supportive environment facilitating growth and achievement;
- Flexible working hours;
- Regular company parties and events;
- Office with games, pool table, free snacks/drinks and the possibility to work remotely;
- Powerful equipment and modern tools;
- On-demand sponsorship for your professional development;
- Competitive remuneration package
- A dynamic role in a rapidly growing international company
- Opportunity to impact business decisions
- A supportive, talented international team
- Flexible hours, company events, and a well-equipped office
- Investment in professional development
- Competitive salary and benefits
Creditstar Group is a rapidly growing international consumer finance company, headquartered in Tallinn, Estonia and operating in multiple European markets. Their vision is to build and deliver digital banking products of the future.
At the core, they are a financial technology company that uses automated processes, algorithms and data analysis to make financial instruments easily available to a population of more than 100 million people in our target markets. They are a team of ambitious professionals who value innovation, speed, high growth and high performance.
