Pliant
FinTech
SeniorCreditRiskDataScientist(m/f/d)
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“Senior Credit Risk Data Scientist (m/f/d) at Pliant. Skills: Credit risk models, ML infrastructure, Data pipelines. Build credit risk models. Validate credit risk models”
What You'll Achieve.
Extend credit across Europe and US; Keep models performing reliably
Industry & Context.
Data-driven decision making
What They're Looking For.
Must Have
Degree in quantitative or engineering discipline, 3–5 years of experience in data science, ML engineering, or quantitative credit risk, Production model deployment experience, Python capability, SQL skills
Nice to Have
PhD preferred, Experience with pipeline orchestration tools such as Airflow or dbt, Experience working with APIs, decision engines, and data aggregation and orchestration services, Familiarity with open banking data and transaction level insights, Fluent in additional European languages
What You'll Do.
Build credit risk models
Validate credit risk models
Deploy credit risk models
Define target variables
Design data pipelines
Integrate internal behavioural data
Integrate open banking feeds
Integrate bureau data
Integrate third-party sources
Develop automated credit decisioning logic
Test automated credit decisioning logic
Iterate on automated credit decisioning logic
Assign approval limits
Assign decline limits
Assign assignment rules
Monitor decision engine performance
Build ML infrastructure
Analyse portfolio performance
Identify risk drivers
Translate empirical findings
Design early warning systems
Build early warning systems
Surface deteriorating credit quality
Manage portfolio proactively
Prioritise collections
Partner with Risk Management
Partner with Data teams
Partner with Engineering teams
Build E2E data processes
Manage cross functional projects
Drive project delivery
Facilitate information flow
Support data driven decision making
Support development of a culture of open dialogue
How You'll Work.
Team & Collaboration
Risk Management teams; Data teams; Engineering teams; Cross functional projects
Communication Scope
Fact based information flow
Process & Methodology
Agile development, Cross functional projects
Full Job Description
ABOUT US Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability. We serve two primary customer segments: - Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines. - Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions. Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments. Learn more at http://www.getpliant.com/www.getpliant.com http://www.getpliant.com ABOUT THE ROLE As Senior Credit Risk Data Scientist, you will own the design, development, and deployment of data-driven credit models and automated decisioning systems for small and medium sized enterprises. This is a hands-on technical role that sits at the intersection of data science, ML engineering, and credit risk strategy. You will write production ready code, build end-to-end pipelines, and translate model outputs into real credit decisions. You build things that go live. You own what you deploy. You continuously improve the models, pipelines, and decisioning logic that determine how Pliant extends credit across Europe and the US. You bring both the technical depth to build robust ML infrastructure and the credit intuition to know what good decisioning looks like. If that is you, then join us and work closely with the Head of Risk Strategy and VP
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