Younited

2 Jobs

593 Employees

About the Company

We’re hiring ! Find all our job positions here : https://bit.ly/join-us-at-younited

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About Younited:

Younited is the leading instant credit provider for the e-economy in Europe. Constant innovation, cutting-edge technology and exceptional user experience have allowed nearly a million customers to have access to instant, simple and transparent credit to refurbish their home, go on holiday, or buy a new smartphone. Younited provides instant credit throughout the customer journey, shopping or banking, online or in store, with a single Younited customer experience. Up to €50,000. Up to 84 months. Instantly.

Younited is the leader in 5 European countries and generates more than 2 billion euros in yearly GMV, with nearly 50% of its business outside France. As the pioneer in personalized budget coaching, Younited deploys a credit strategy at the service of all to promote more transparency and more inclusiveness. Younited has launched the process to become a certified B-Corp.

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Younited is fully EU-authorized as a Credit Institution - Investment services provider by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF) since the 23/09/2011 (Authorization number : 16488).

Younited was founded by Charles Egly (ex-BNP Paribas, Group CEO) and Geoffroy Guigou (ex-McKinsey, COO).

To read our charter regarding the protection of your personal data, please visit : https://bit.ly/younited-legal-careers

Listed Jobs

Company Name: Younited
Job Title: Data Scientist - Credit Risk Modeling (F/H)
Job Description: **Job Title:** Data Scientist - Credit Risk Modeling **Role Summary** Core member of Credit Modelling and Portfolio Management team within Risk & Data department, focused on developing and maintaining credit risk models (PD/LGD/EAD) to support loan origination, portfolio valuation, and risk governance for a fast-growing consumer lending business. **Expectations** Strategic collaboration with senior leadership (ExCo), integration of stakeholder feedback, model deployment in production environments, and adherence to regulatory standards. **Key Responsibilities** - Develop, maintain, and deploy PD/LGD/EAD models for credit risk assessment and portfolio management. - Integrate feedback from investors, rating agencies, and internal stakeholders into modeling processes. - Deploy models using Python, DBT, and BigQuery, ensuring alignment with governance protocols for audits and compliance. - Provide data-driven insights to business units and risk teams on credit risk evolution. - Lead half-yearly assumption reviews with CEO, CRO, and CFO; support model validation, audits, and regulatory inspections. - Collaborate on credit risk modeling roadmaps aligned with organizational strategy. **Required Skills** - 2–5 years’ experience in credit risk modeling with direct hands-on PD/LGD/EAD model development. - Proficiency in SQL and Python for model implementation and analytics. - Strong analytical rigor, attention to detail, and autonomous problem-solving in cross-functional teams. - Clear communication skills (written/verbal) for presenting technical outputs to senior leadership. - Ability to balance technical modeling tasks with strategic decision-making in a fast-paced, international environment. **Required Education & Certifications** - Master’s or PhD in Statistics, Mathematics, Data Science, or related quantitative field. - No certifications specified.

Company Name: Younited
Job Title: Stage - Data Scientist (F/H)
Job Description: Job title Data Scientist Intern (M/F) Role Summary Intern will enhance Younited’s transaction categorisation model by developing an LLM‑based challenger model, implementing proactive drift detection, and contributing to production deployment and documentation. The role involves close collaboration with Data Science, Risk, and Product teams to deliver robust, scalable solutions. Expectations - Master’s level (M2) in Data Science, Machine Learning, or related field; engineering school or university background acceptable. - Strong technical foundation in Python, ML libraries, statistics, and NLP/LLM. - Proficiency in SQL is a plus. - Autonomous, solution‑oriented, with excellent communication skills for cross‑functional interaction. - Willingness to take ownership from model development to deployment and to document findings for stakeholders. Key Responsibilities 1. **Develop Challenger Model** – Design and implement an LLM‑based model to systematically identify errors in the existing categorisation system and analyze recurring error patterns. 2. **Automated Drift Detection** – Build monitoring processes that detect performance degradation of the categorisation model and trigger alerts to relevant teams. 3. **Deployment & Industrialisation** – Integrate developed solutions into production, document methodologies, share insights, and present results and recommendations to stakeholders. Required Skills - Proficient in Python and core ML libraries (scikit‑learn, pandas, numpy). - Strong statistical and machine learning knowledge. - Deep interest in LLMs and NLP techniques. - SQL knowledge preferred. - Ability to simplify and communicate complex technical concepts. - Experience or interest in model deployment and end‑to‑end ownership. - Self‑starter, analytical thinker, and collaborative team player. Required Education & Certifications - Master’s degree (M2) or equivalent in Data Science, Machine Learning, or a closely related discipline. - No mandatory certifications required; relevant coursework or project experience in ML/LLM is highly valued.

Paris, France

Hybrid

27-01-2026