Data Scientist

This is a fully remote position, open to applicants in Germany.

📋 Description

• Design, develop, and enhance Machine Learning models that support origination, behavioral scoring, limit management, and early-warning systems.

• Utilize alternative data sources, such as transaction behavior, merchant information, and device intelligence, to boost predictive performance.

• Assess and implement the necessary infrastructure for the deployment, monitoring, and retraining of models at scale.

• Investigate the use of innovative architectures (transformers, foundational models, etc.) for addressing credit risk and related challenges.

• Collaborate with cross-functional teams to uncover opportunities for data-driven insights and solutions.

• Partner with other members of the Credit Risk team to formulate credit policies throughout the entire customer lifecycle: origination, limit management, restructuring, and write-offs.

• Enjoy significant autonomy and ownership by managing at least one Machine Learning model from start to finish.

• Present findings and insights to both technical and non-technical stakeholders.

⛳️ Requirements

• A Master's degree or higher in Data Science, Computer Science, Statistics, Mathematics, or a related discipline.

• Over 5 years of experience in Data Science, Machine Learning, or a similar field.

• Strong expertise in Python and SQL.

• Familiarity with Machine Learning libraries such as Scikit-Learn, XGBoost, TensorFlow, Keras, and Pytorch.

• Proven experience in owning models or analytical systems from inception to completion, encompassing performance monitoring, retraining, documentation, and stakeholder alignment.

• Comfort with using AI coding assistants, such as Claude Code and Codex, to enhance productivity.

• Proficiency in data analysis, visualization, and manipulation tools like Pandas, Matplotlib, and Seaborn.

• Preferred but not mandatory: Experience in credit risk, fraud, underwriting, lending, financial services, or any other regulated decision-making domain.

• Experience with dbt (Data Build Tool) for transforming SQL data.

• Familiarity with novel, transformer-based architectures.

• Strong problem-solving abilities and a creative mindset.

• Capability to communicate model trade-offs, risk implications, and business impacts to both technical and non-technical audiences.

🏝️ Benefits

• Competitive salary based on performance and experience.

• Opportunity to earn Klar stock options.

• 26 days of paid vacation annually.

• Provision of computer devices.

• Wellhub subscription to support mental and physical health.

• Sponsored coaching and therapy sessions through Modern Health.

• Training budget to facilitate your learning and development.

• Health insurance and pension scheme.

• BVG Corporate ticket for the Berlin office if you prefer onsite work.

• International work environment filled with exceptional and highly skilled individuals.

• A world-class team dedicated to helping you enhance your skills in areas of interest.