Senior Data Scientist - Fraud & Credit Risk (m/f/d)

Your mission

Risk management is at the core of Ratepay’s business strategy. Our cutting-edge risk management platform processes hundreds of thousands of transactions daily, ensuring secure payments for our merchants and their customers while minimizing risk and maximizing profitability.
We are seeking a highly skilled and experienced Senior Full-Stack Data Scientist to take a leading role in enhancing our fraud prevention and credit risk assessment capabilities. This role involves researching, developing, and deploying advanced machine learning algorithms into production. You will be responsible for every aspect of the data science process, from data collection and pre-processing to building and deploying machine learning models, as well as developing and maintaining production-level codebases.
In this role, you will collaborate with cross-functional teams to drive innovation and ensure that our solutions are scalable and reliable in a fast-paced environment.

Your tasks at Ratepay, among others

• Lead the research, development and implementation of advanced machine learning models for credit risk assessment and fraud prevention.
• Own data science projects end-to-end, i.e. from ideation and proof of concept to bringing it into production.
• Write clean, efficient, and maintainable code adhering to best engineering practices for data processing, model development, and deployment, ensuring scalability and reliability.
• Pre-process complex financial data and create ETL pipelines to support machine learning models.
• Continuously improve our machine learning workflows, research, and deployment pipelines, ensuring best practices and innovation.
• Collaborate closely with team members and cross-functional teams, utilizing strong communication skills to develop robust machine learning solutions.
• Take ownership of subcomponents of the machine learning infrastructure, ensuring their performance and scalability as the platform evolves.

That's what you bring along

• 5 + years of experience working with the whole data science product cycle: conception, research, prototyping, modelling, deployment to production
• Master’s degree in STEM field
• Very good engineering skills in Python and familiarity with clean code (pre-commit, black, code reviews etc.), unit testing (pytest) and type hints (mypy).
• General understanding of SQL and SQL databases. Ability to retrieve data and build data pipelines that feed models in research and (ideally) build pipelines for production.
• Advanced knowledge of statistical learning theory and its application to solve real-world problems.
• Strong stakeholder communication skills with the ability to clearly present ideas, solutions and findings.

Nice to have:

• MLOps and experience on AWS Cloud
• Experience in Fintech

Equal Opportunities & Diversity

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious views, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality. With over 250 employees and 40 different nationalities, we take our values seriously. These include; ownership, growth, integrity, collaboration, customer centricity and inclusion.

About us

We dare to design the future of payments. Ratepay is energy and diversity and: custom-made state-of-the-art payment solutions. Established in 2009 we were a fintech before the word fintech even existed. Today we are the number one white-label Buy Now Pay Later payments provider in Europe handling over 2.5M transactions per month and we’re constantly growing.

We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 250 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having a will to win.

We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.