ML Professional - Retail Banking Lending - Credit Optimization

Our partners are one of the most established and larger Financial Technology Group of Companies of SEE.

They are currently expanding their ML credit portfolio solution services and are looking for anML Professional in Credit Optimization.

We are on the search for anML Professional in Credit Optimization,experienced in the use Machine Learning, Data Science and advanced analytics to improve how the Bank makesretail lending decisions.

The role sits at the intersection ofMachine Learning, Credit and Business, using data and predictive models to optimise the way the Bank assesses customers, manages credit exposure and balancesgrowth, customer value and risk.

This is ahands-on ML / Data Science role applied to Credit— not a traditional Credit Risk position.

Key Responsibilities

• Develop, apply and continuously improveML and predictive models for retail lending and credit decisioning.
• Usecustomer, behavioral and transactional datato improve systems modeling incredit assessment, scoring and lending decisions.
• Optimizecredit limits, approval strategies and risk-based decision rules.
• Identifypatterns and signalsthat can improve the prediction ofdefault, delinquency and customer behavior.
• Analyze portfolio performanceandtranslate model outputs into opportunities for better risk-adjusted lending.
• Work closely withCredit Risk, Data Science, Product and Commercial teamsto turn analytics into practical business decisions.
• Continuously test, challenge and refine existing credit strategies throughdata and experimentation.

The Impact

The role will contribute to:

• Better and morepredictive credit decisions
• Improved balance betweenloan growth and credit risk
• More effectivecredit limits and customer exposure
• Earlieridentification of credit deterioration
• Improvedportfolio quality and risk-adjusted profitability
• A moredata-driven and intelligent retail lending strategy

Requirements

What We Are Looking For

• Strong hands-on experience inMachine Learning, Data Science or Predictive Analytics.
• Experience applyingML to Credit, Lending, Risk, Financial Services or another highly data-driven decision environment.
• Strong understanding ofmodelling, data interpretation and model performance.
• Ability toconnect technical analysis with real business and credit decisions.
• Stronganalytical thinking, curiosity and a continuous optimization mindset.
• Ability to work effectively with both technical and non-technical stakeholders.

Benefits

• €3,500+ gross monthly, for payroll employees depending on candidate experience Bonus scheme
• Private medical insurance
• Open to increase the amount even further if we need to work with freelancers via invoicing or on a contract basis