Senior Data Scientist - Recouvrement (F/M) > Joboolo FR :

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 have access to our instant, simple & transparent credit, and we are just getting started.

We 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 installments).


We also offer budget optimization solutions through “Younited Coach” to all consumers seeking personalized recommendations.

Our mission is to become your trusted financial partner.


Our strategy promotes transparency and inclusiveness to help you achieve financial wellbeing.

We are B Corp certified, emphasizing our social and environmental impact as central to our strategy.

Join Younited, the leading instant credit provider for the e-economy in Europe!
Be part of an exciting journey that is only beginning…

Some key figures about Younited group:

• Operates in 4 European countries, with nearly 50% of business outside France.

• Employs about 500 Younies across Paris, Rome, Barcelona, and Lisbon.

Trusted by prestigious partners like Iliad, Bouygues Telecom, Microsoft, Bpifrance, Apple, N26, Fortuneo, Smeg, and Thermomix.

Our 5 corporate values:

• Make it simple:


Ensure transparency at all levels of customer experience and organization.

• Act as an entrepreneur:


Take ownership, collaborate, and be willing to try and learn from failures.

• Innovate or die:


Challenge the status quo, regardless of how impossible it seems.

• Faster is better:


Prioritize speed over perfection, and stay aligned on goals.

• No limit:


Aim high while remaining humble.

We empower passionate problem-solvers to collaborate, innovate, and excel.

We’re building diverse and inclusive teams worldwide — because it enhances customer and partner experiences.


Join us to shape the future today.

If you want to learn more, click here:


# 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 will:

• Conduct advanced customer segmentation and leverage Machine Learning models to define and optimize contact strategies, improving collection effectiveness.


• Explore and leverage generative models (LLMs) to create personalized communication content tailored to different debt collection scenarios.


• Measure and analyze the impact of strategies and models on KPIs of debt collection and customer satisfaction.


• Propose and implement continuous improvements to the debt collection process based on data analysis and new technological opportunities.

Data Scientists also act as project managers, collaborating with:

• Debt collection business teams to understand needs, translate problems into data solutions, and ensure adoption with product managers.


• Data and ML engineers for deployment of models.


• Model risk management team for review & validation.

About your profile:

We seek an experienced, motivated Data Science expert with:

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


• 3+ years in Data Science with proven deployment of production ML systems.


• Previous experience in debt collection optimization.

Your skills:

• Proficiency in Python.


• Strong statistical analysis skills.


• Knowledge of machine learning algorithms.


• Expertise in data cleaning and preprocessing.


• Ability to write complex SQL queries.


• Collaborative mindset and effective communication skills.


• Good time management and result-oriented approach.

Recruitment process:

• Initial video chat with Arthur, Talent Acquisition Manager (30’)


• Interview with Julien, Lead Data Scientist (60’)


• Technical test


• Technical case study


• Interview with Product Manager & Head of Data

Benefits of joining Younited:

• Offices in Paris (9th arrondissement)


• International environment with opportunities abroad


• Entrepreneurial culture and strong team spirit


• Personalized onboarding and ongoing support


• Continuous learning with training and workshops


• Focus on work-life balance


• Parenthood support and special leave policies


• Hybrid remote work (
  
  - 3 days/week, one week fully remote twice a year)


• 33 days paid holiday


• Access to Wellpass platform for wellness activities


• Meal vouchers (€10/day, 60% covered)


• Team events and celebrations

Younited is an Equal Opportunity Employer.