Senior data scientist - recouvrement (f/m)

At Younited, we believe money allows people to purchase goods & services and realize their dreams, but today’s banking products are opaque & overly complex.


Here, we leverage innovation & cutting-edge technology to redefine lending and payment practices, to provide exceptional user experience


More than a million customers already had access to our instant, simple & transparent credit, and we are just getting started.


We both provide credit & payment solutions directly to consumers (Younited Credit / Younited Pay) & via partners (banks, fintech & insurers who wish to develop consumer loan activities and retailers, telcos, e-merchants who wish to offer their customers the simplest method to pay in several times). We also provide budget optimization solutions through “Younited Coach” to all consumers willing to receive personalized recommendations.


Our mission is to become your trusted financial partner. In this respect, our strategy aims at promoting more transparency and more inclusiveness to help you achieve financial wellbeing.


We have initiated a B-Corp certification process, our social and environmental impact being at the heart of our strategic concerns.


So join Younited, the leading instant credit provider for the e‐economy in Europe! Be part of an amazing adventure that is only at its beginning…


Some key figures about Younited group:

· Younited operates in 4 European countries and generates nearly 50% of its business outside France.

· Younited employs about 500 Younies in Paris, Rome, Barcelona and Lisbon.


Younited is already trusted by prestigious E-merchant and Digital Bank partners among which Iliad, Bouygues Telecom, Microsoft, Bpifrance, Apple, N26, Fortuneo, Smeg and Thermomix.


Our 5 corporate values drive our daily job:

· Make it simple: At every level of the customer experience, the organization. Be transparent.

· Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.

· Innovate or die: Challenge the status quo, no matter how impossible it seems.

· Faster is better: Value speed over perfection. Be aligned on priorities.

· No limit: Shot for the moon, stay humble.


We empower passionate problem-solvers to collaborate, innovate and do their best work.

We’re building diverse and inclusive teams around the world — because that’s how we create even better experiences for our customers and our partners. And we need your help. So, join us to build tomorrow, today.


If you want to know more, click here: https://younited.com/about-us/careers/


📋 Context


As a Senior Data Scientist in Debt Collection, reporting to the Lead Data Scientist, you will optimize recovery journeys using data-driven strategies, leverage AI to enhance client communications, design impact measurement frameworks, collaborate with business teams, and proactively drive innovation.


Your responsibilities :


Overall, your main mission will be to optimize the debt collection process, considering both financial performance and customer protection. To achieve this, you’ll have to :


- Conduct advanced customer segmentation and leverage Machine Learning models to define and optimize contact strategies, improving the effectiveness of collection actions.

- Explore and leverage the potential of generative models (LLMs) to innovate in the creation of personalized communication content adapted to different debt collection situations.

- Measure and analyze the impact of deployed strategies and models on key performance indicators (KPIs) of debt collection and customer satisfaction.

- Propose and implement continuous improvements to the debt collection process based on analysis results and new opportunities offered by data technologies.


At Younited, Data Scientists also act as project managers on their topics. Thus, you will collaborate with several teams :


- Debt collection business teams to understand their needs, translate problems into data-driven solutions, and ensure the adoption of developed tools and models with the help of product managers.

- Data engineers and machine learning engineers to ensure effective production deployment of models.

- Model risk management team to review & validate your models.


🫵 About your profile :


We are looking for an experienced and motivated data science expert with the following qualifications:

- Master’s or PhD in Computer Science, Data Science, Applied Mathematics, or a related field.

- Experience 3+ years in Data Science, with proven experience deploying and managing production-grade ML systems.

- Past experience on debt collection optimization topics.


Your skills :


- Programming Languages: Expertise in Python.

- Statistical Analysis: Strong understanding of statistical methods and hypothesis testing.

- Machine Learning: Knowledge of various algorithms and their applications.

- Data Wrangling & Preprocessing: Expertise in cleaning, transforming, and preparing data for analysis.

- SQL: Ability to write and execute complex SQL queries.

- Collaborative mindset, with the ability to align cross-departmental goals.

- Clear communication (verbal & written).

- Good time management.

- Business acumen and result-oriented approach.


👥 Recruitment Process :


- A first video chat with Arthur, Talent Acquisition Manager, to get to know each other and tell you more about Younited, our corporate culture & values (30’)

- An Interview with Julien (Lead Data Scientist) your future manager to discuss about the role and expectations (60’)

- Technical test

- Technical case study

- Interview with a Product manager & Guillaume (Head of Data)


🎁 Other benefits from joining Younited ?


-Offices located in the heart of Paris (9th arrondissement)

-An international work environment and the opportunity to go on assignments in our offices abroad (Barcelona, Lisbon, Rome)

-An entrepreneurial mindset and strong team spirit

-Personalized managerial and HR support during onboarding and throughout your Younited journey

-A continuous learning environment with access to internal and external training, an e-learning platform, and “Friday workshops” within the Tech team to support everyone’s development

-A strong focus on work-life balance

-A parenthood charter to support all family-related projects, with key measures

-Special leave for major life events, often more generous than legal requirements

-A hybrid remote work policy: 2 to 3 days of remote work per week depending on the team, and the option to work fully remotely for one week twice a year

- 33 days paid holiday, i.e. 8 more than the statutory 25 days (instead of the traditional RTT)

-Access to the Wellpass platform (formerly Gymlib) with over 4,000 fitness and wellness activities across France at a discounted rate

-Meal vouchers (€10 per day, 60% covered by the company)

-Team buildings in France (Summer Party & Winter Party), abroad, and within your team


Younited is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.