YOData Scientist - IFRS Modeling (F/H)
Younited is a financial services company that simplifies the borrowing process for consumers with an innovative online platform.
Younited 
France only
France onlyIf you want to know more, click here: https://younited.com/about-us/careers/
📄Context
As a Data Scientist specializing in IFRS modeling, you will be a core member of the Credit Portfolio Management team, involved in credit modelling and origination, valuation, debt investors relation and Younited balance-sheet monitoring within the Risk & Data department.
You will play a key role in driving accurate and compliant risk provisioning under IFRS standards (IFRS 9, IFRS 13, IFRS 15, IFRS 7), ensuring transparency and robustness in the financial reporting and risk management framework of a fast-growing, listed consumer lending business.
You will be responsible for the development, deployment, and continuous improvement of IFRS models, working closely with Finance, Risk, Analytics Engineering, and external stakeholders (auditors, regulators). IFRS modeling is central to Younited’s ability to manage risk proactively while meeting evolving regulatory expectations and delivering reliable financial insights to governance bodies and strategic partners.
Your Responsibilities 🚀
In this role, your focus will be on developing and maintaining IFRS-compliant credit models, integrating them into operational processes, and ensuring their performance through rigorous monitoring and governance.
This role is critical in ensuring the optimization of our modelling and exposure, in the context of Younited being a listed entity with profitability objectives communicated to the market.
This a strategic and unique role as it covers data and model intensive activities while requiring to step back and get the global picture and address strategic questions directly with Exco members, in a context of a newly listed company, expanding product and consequently the suite of underling models.
Model Development & Analytics :· Design, develop, and maintain IFRS 9 models with macroeconomic factors and forward-looking scenarios.· Define and calibrate macroeconomic inputs, construct scenarios, and model their impact on provisions.· Ensure consistency between model outputs and financial accounting standards in collaboration with Finance and Accounting teams.· Maintain up-to-date methodology in line with evolving IFRS standards, internal governance, and regulatory feedback.
Deployment & Integration :· Deploy models into production in collaboration with Analytics Engineers using our modern tech stack (GCP, DBT...).· Ensure full model documentation aligned with internal validation and audit requirements.· Integrate IFRS models within the provisioning and reporting pipelines used for financial disclosures and internal reporting.
Monitoring & Governance :· Contribute to monthly and quarterly cost-of-risk analysis and reporting for internal governance (e.g., Risk Committees, Board).· Support model validation reviews, audits, and regulatory inspections.· Collaborate on defining and prioritizing the IFRS modeling roadmap in line with group strategy and evolving regulatory landscape.
Your Profile 👇
· Master’s degree or PhD in quantitative fields such as statistics, mathematics, data science, or engineering.· Minimum 3 years of experience in credit risk modeling, with hands-on involvement in IFRS model development.· Strong understanding of IFRS methodology and regulatory expectations (e.g., ECB, EBA guidelines).· Proficient in SQL & python.· Strong analytical rigor, autonomy, attention to detail, and ability to work in cross-functional teams.· Excellent communication skills in both written and spoken English (French is a plus).· Comfortable working in a fast-paced environment with international collaboration (including auditors and group-level stakeholders).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 Joachim, Head of Credit Portfolio Management to discuss about the role and expectations (60’)· Online Technical Test· A Business Case to assess your skills (60’)· An interview with Ashvini (Senior Data Scientist) & Robin (Lead Analytics Engineer) (60’)
🎁 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.
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Job type
Full Time
Experience level
Mid-level
Location requirements
Hiring timezones
France +/- 0 hoursAbout Younited
Learn more about Younited and their company culture.
Younited is a company that provides innovative financial solutions aimed at simplifying the borrowing experience for consumers and businesses. Their platform is designed with user-friendliness in mind, allowing clients to apply for loans quickly and efficiently. By leveraging technology, Younited offers a seamless online process that contrasts with traditional banking methods, which can often be cumbersome and time-consuming.
The company focuses on transparency and accessibility, helping individuals manage their financial needs with flexible repayment options. Younited places a strong emphasis on customer satisfaction and strives to foster long-term relationships with its clients. With a commitment to responsible lending practices, Younited ensures that clients are well-informed about the terms and conditions of their loans, promoting a sense of security and confidence in their financial decisions.
YOYounited
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