Data Scientist - Credit Risk

Salmon Group Ltd • Poland

Remote Visa Sponsorship Relocation

This Job is No Longer Active This position is no longer accepting applications

AI Summary

Improve application and behavioral scoring models to enhance onboarding decisions and increase portfolio profitability. Collaborate with product managers, analysts, and engineers to understand business context and refine decision-making strategy. Own the full modeling cycle from data exploration to production-ready specs.

Key Highlights

Own the full modeling cycle from data exploration to production-ready specs

Collaborate with product managers, analysts, and engineers to understand business context

Improve application and behavioral scoring models to enhance onboarding decisions and increase portfolio profitability

Key Responsibilities

Own the full modeling cycle — from exploring raw data to preparing production-ready specs

Use metrics like AUC, KS, bad rate, and stability index to validate model quality

Track how models perform after launch and know when it’s time to retrain or adapt

Evaluate value through NPV, backtesting, and real-world portfolio performance

Translate insights into decisions — you’ll help evolve our credit strategy, not just build models

Contribute ideas that change how we approve, price, and manage credit — our internal tools are flexible and data-driven

Work closely with product and data to align every model with real business goals

Step in beyond your scope when needed — we value ownership over rigid roles

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Technical Skills Required

Python SQL Machine Learning

Benefits & Perks

Relocation package provided

Visa sponsorship available

Remote work

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Nice to Have

Prior work with credit products is a strong plus, especially in fintech

Experience assessing business impact of models (e.g. NPV, backtesting) is a plus

Exposure to cross-functional collaboration (e.g. with product or engineering teams) is a plus

Job Description

As a Data Scientist in our Credit Risk team, you’ll work on improving both application scoring (to enhance onboarding decisions) and behavioral scoring (to increase portfolio profitability). You’ll be responsible for the full modeling cycle: from exploring data and identifying meaningful patterns, to building and validating models, assessing their business impact, writing clear implementation requirements, and monitoring production performance.

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