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Head or Risk and Business Development

Head or Risk and Business Development

 

Introduction:

 

Our client is a fast growing FinTech Mobile Bank with a focus on emerging markets

 

We are searching for a Fintech Consumer Finance Credit Risk Expert to become Head of Risk and Business Development.

 

Opportunity:

 

The mission is to build scorecards in order to improve company profitability focusing on credit risk, fraud, optimising customer profitability and long term growth for the company. This is a unique opportunity to build the risk practice at an Emerging Market lender from scratch alongside a strong data science and product team.

 

What you will do:

 

  • Design and build our risk and profitability models. These are used for underwriting loans, fighting fraud, setting product pricing, segmenting customers, and predicting portfolio performance.
  • Build and design scorecards across all aspects of the Credit Cycle.
  • Analyse the performance of these statistical models and their associated business rules, and propose how they should be set to achieve the desired risk-reward outcomes and profitability targets.
  • Propose data-driven product changes to improve customer experience and company profitability, and partner with the Product, Data Science and Engineering teams to implement your solutions in production.
  • Define an underwriting and acceptance strategy that delivers on the longer run toward growth and profitability
  • Monitor the portfolio to identify trends, and lead meetings to share performance updates and analysis
  • Full ownership of the following KPIs – NPL (non performing loans), loan profitability and volume

 

Your technical skills:

 

  • Strong understanding of the risk sector, with significant experience in scorecard development
  • FinTech Consumer Finance experience
  • Strong mathematical and statistical background, with knowledge of modelling techniques
  • Strong skills using R or Python for analysing moderately large datasets, and have a good working knowledge of SQL- Minimum 5 Years of Experience
  • Experience in the consumer lending industry is a must

 

Technical stack:

 

  • Our customer product is an Android application developed in Java
  • It communicates with a Ruby on Rails backend
  • The credit decision algorithms runs on Python via the Flask framework
  • We are hosted on AWS: we use Elastic Beanstalk, a RDS mysql database, S3, lambda, SES …

 

FinTech Senior Data Scientist – Fraud Modelling

FinTech Senior Data Scientist – Fraud Modelling

 

Introduction:

 

Our client is a fast growing international FinTech mobile banking company.

 

Opportunity: 

 

We’re looking for a data scientist to join the technical team based in Paris, France. We are assembling a strong technical team and are looking for talented newcomers to help us build a bank!

 

What you will do:

 

  • Do R&D – Train a model that detects fraudsters – Detect patterns in the data related to fraud – Check the current deployed fraud models metrics – Build / consolidate hard rules – Work on the automation of fraud alerts Detect fraud – Monitor the fraud alerts and dig into data to understand if false alarm or true fraud
  • Ask recollection team for quick checks on sample of users Report 
  • Update results / analysis for a previous fraud

 

Our technical stack:

 

  • Our customer product is an android application developed in Java
  • It communicates with a Ruby on Rails backend
  • The credit decision algorithms runs on Python via the Flask framework 
  • We are hosted on AWS: we use Elastic Beanstalk, a RDS Aurora mysql database, S3, lambda, SES … 
  • We have automated tests that run on Travis 

 

Requirements:

 

  • Data analytics / modeling
  • Strong analytical skills
  • Has worked on complex products and operations
  • Very good ability to communicate in english (writing and speaking)
  • Strong SQL
  • Python skills (kaggle level needed, higher desired
  • Has worked in an environment with fraudsters (financial, logistic…)
  • Experience minimum 3 years
  • English speaking candidates (our working language)

FinTech Senior Data Scientist – Mobile Banking

FinTech Senior Data Scientist – Mobile Banking

 

Introduction:

 

Our client is a fast growing international FinTech mobile banking company.

 

Your responsibilities: 

 

  • You will explore various statistical models to forecast client’s fraud risk based on real time financial & personal data 
  • You will implement your models in our product as soon as possible and improve your solution continuously based on its results 
  • You will propose new metrics and visual representation of different models, provide regular feedback to the rest of the company 
  • You will look for new data sources and evaluate their potential 
  • You will coordinate the entire fraud strategy across different teams

 

Our technical stack: 

 

  • Our customer product is an android application developed in Java 
  • It communicates with a Ruby on Rails backend 
  • The credit decision algorithms runs on Python via the Flask framework 
  • We are hosted on AWS: we use Elastic Beanstalk, a RDS Aurora mysql database, S3, lambda, SES … 
  • We have automated tests that run on Travis

 

What we like:

 

  • Ability to tackle complexity in real-world datasets 
  • Experience in working with machine learning algorithms 
  • Capacity to handle a good level of code quality and stability 
  • Overall interest in the fintech industry 
  • Has worked in an environment with fraudsters (bank, insurance…) 
  • English speaking candidates (our working language)

 

What we love: 

  • Driven by impact
  • Perseverance and strong team spirit 
  • Proactive and autonomous – “Get it done” attitude with will to overreach objectives 
  • Why should you join us? 
  • You will have a unique opportunity to apply your skills on a live product 

 

FinTech Product Manager – Mobile Banking

FinTech Product Manager – Mobile Banking

 

Introduction:

 

Our client is a fast growing international FinTech mobile banking company.

 

Opportunity:

 

You will take full responsibility for a product which helps millions of people access better financial services in emerging markets.

 

Responsibilities:

 

  • You will define the product vision jointly with the local teams and the cofounder in charge of product 
  • You will understand customer needs and gather product requirements 
  • You will coordinate a team of designers and developers to create amazing user experiences and work across operations, data, tech, marketing departments 
  • You will be responsible for the business KPIs linked to the product you’re working on 
  • You will develop the internal product knowledge and analytics

 

Requirements:

 

  • You have a solid track record of achievement (academic, professional, and/or sport) 
  • You have 3-5 years of experience in product management or as a technical founder in a fast-growing tech B2C startup company. FinTech is a plus. Focus on emerging markets is a plus. 
  • You have studied business administration, economics or engineering at a top tier university. 
  • You have an entrepreneurial mindset and commitment to get hands dirty at all times. 
  • You are a problem solver with a data-driven and KPI-oriented approach to maximize the efficiency of all the operations, using such tools as SQL, Python and Excel 
  • Predictus – Digital bank for emerging markets 
  • Willing to spend a significant amount of time in the markets (West Africa, South-East Asia) to test our product & understand clients 
  • Curious, hungry and motivated to work in a highly dynamic environment. 
  • Fluent in English. Any other language (French, Spanish, Arabic, Portuguese) is a plus