Data Scientist - IFRS Modeling (F/H)

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 are B Corp certified, 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 Data Scientist specializing in IFRS modeling, you will be a core member of the Credit Portfolio Management team, involved in credit modelling and origination, valuation, debt investors relation and Younited balance-sheet monitoring within the Risk & Data department.
You will play a key role in driving accurate and compliant risk provisioning under IFRS standards (IFRS 9, IFRS 13, IFRS 15, IFRS 7), ensuring transparency and robustness in the financial reporting and risk management framework of a fast-growing, listed consumer lending business.
You will be responsible for the development, deployment, and continuous improvement of IFRS models, working closely with Finance, Risk, Analytics Engineering, and external stakeholders (auditors, regulators). IFRS modeling is central to Younited’s ability to manage risk proactively while meeting evolving regulatory expectations and delivering reliable financial insights to governance bodies and strategic partners.
Your Responsibilities 🚀
In this role, your focus will be on developing and maintaining IFRS-compliant credit models, integrating them into operational processes, and ensuring their performance through rigorous monitoring and governance.
This role is critical in ensuring the optimization of our modelling and exposure, in the context of Younited being a listed entity with profitability objectives communicated to the market.
This a strategic and unique role as it covers data and model intensive activities while requiring to step back and get the global picture and address strategic questions directly with Exco members, in a context of a newly listed company, expanding product and consequently the suite of underling models.
Model Development & Analytics :· Design, develop, and maintain IFRS 9 models with macroeconomic factors and forward-looking scenarios.· Define and calibrate macroeconomic inputs, construct scenarios, and model their impact on provisions.· Ensure consistency between model outputs and financial accounting standards in collaboration with Finance and Accounting teams.· Maintain up-to-date methodology in line with evolving IFRS standards, internal governance, and regulatory feedback.
Deployment & Integration :· Deploy models into production in collaboration