RiskDataScientist|RiskManagement

**Mission** Within the Risk Data Science team, our mission is to design and continuously improve the credit risk modeling landscape, enabling sound and responsible credit decisions throughout the entire loan lifecycle. In this role, you will contribute to building models that directly support sustainable business growth while maintaining strong risk management practices. **About the team** You will join a collaborative, forward-thinking team where analytical rigor meets innovation. We work with large datasets, modern tools, and advanced methodologies, including machine learning and AI, to extract meaningful insights and drive impactful decisions. Our team thrives on open communication, knowledge sharing, and continuous learning. We partner closely with colleagues across Risk, Business, IT, and Model Validation functions to ensure that our models are not only technically robust but also aligned with real business needs. **Your day-to-day** In this role, you will support the full lifecycle of IFRS9 and Credit Decision models for retail, micro-companies, and SMEs. Your responsibilities will include: * Developing and calibrating models end-to-end, from scope definition and data collection to estimation and documentation * Supporting the implementation of models in internal systems * Monitoring model performance, interpreting results, and proactively suggesting improvements * Ensuring compliance with internal governance frameworks and methodologies * Preparing for independent model validation processes and addressing findings in a timely manner * Contribute to defining optimal cut-off strategies for Credit Decision Models, balancing risk and acceptance * Perform recurring and ad-hoc portfolio analysis to identify both opportunities and high-risk segments * Support business initiatives by selecting and analyzing client data for targeted campaigns * Ensure data integrity and proper data management in line with credit risk policies * Automate scripts and document workflows