Credit Risk Modeler/Data Scientist

About seQura
SeQura provides innovative, flexible and easy-to-use payments technologies that help merchant acquire, convert and retain more customers.

We make a differnece in sales performance by tailoring our solutions to different sectors, to address their unique pain points and deliver superior results in Retail, Education (EduQa), Opstics (OptiQa), Repairs and Travel.
We also empower smart shopping to consumer who seek more value, convenience, and flexibility in their shopping, with new payment experiences that allow them to save, access interest-free credit, or pay in small, comfortable instalments of up to 24 months.

Born in Barcelona, seQura is a privately-owned fintech in the scaleup phase. Present in southern Europe and Latin America, we are growing above 50% CAGR and approaching 100 Million in Annual Recurring Revenue. Over 5000 businesses, almost 2 million shoppers, and 300+ employees continue to rate us as one of the most loved and trusted fintechs out there, with an NPS of 87%, a Trustpilot rating of 4.7/5, and a Glassdoor rating of 4.7/5.

We are looking for a skilled Credit Risk Modeler/Data Scientist to help drive our data-driven risk assessment strategies. If you're passionate about utilizing data to create impactful models that shape business decisions, this is the perfect opportunity for you!

What you'll do 🚀

• Develop and Monitor Risk Models: Build and maintain robust credit rating and scoring models, utilizing advanced data analysis techniques to assess customer profiles and payment capacities.
• Predictive Modeling: Develop and continuously refine models for PD (Probability of Default), LGD (Loss Given Default), EAD (Exposure at Default), and EL (Expected Losses) to accurately estimate SeQura’s credit risk provisions.
• Data Requirements: Define and establish data requirements for model development, ensuring accuracy and consistency in the data used.
• Documentation & Reporting: Document all models and methodologies, ensuring full transparency for internal and external audits and validations.
• Collaboration & Communication: Work closely with risk analysts, data engineers, and cross-functional teams to ensure alignment and to communicate key findings and model performance.
• Audit Support: Provide expert support during internal and external audits, and facilitate model validations to ensure regulatory compliance and best practices.

• Impact: Play a pivotal role in shaping SeQura’s credit risk strategies and contribute to the company's growth.
• Growth Opportunities: Join a fast-growing, innovative company with plenty of opportunities for professional development.
• Collaboration: Work in a dynamic, collaborative environment where your expertise will be valued.

What we offer 😎

We have a strong and sustainable foundation, where we provide a secure and reliable workplace. You have the freedom and trust to make the best contribution possible.

One of our most valued strengths by our employees is our fellowship and supportive culture, which fosters a sense of belonging by working closely with our values. With us, you will have challenging projects to work on and push your skills and knowledge.

In addition, we are very proud of the unique office we have, which offers a comfortable and inspiring environment to work in with everything you need.

• 23 vacation days + 2 days of free disposal per year.

• Professional development that includes access to a language learning platform with courses available for 24 languages, including both group and private classes.

• Flexible compensation plan for transportation, restaurants, and kindergarten with Cobee.

• Health insurance discounts with Sanitas and DKV

• Hybrid work from Barcelona

• Flexible working hours

• A personal budget for professional development

• Office workshops and meet-ups to encourage community participation and career growth

Moreover, we have a Wellness Program that embraces a holistic approach by covering 6 areas (occupational, physical, financial, emotional, social, environmental consciousness). Each area will include a variety of activities, and you'll be able to choose from 34 different activities that best meet your needs to configure a plan that best works for you.

• Educational Background: Bachelor’s degree in Finance, Economics, Mathematics, Computer Science, or a related field.
• Professional Experience: Minimum of 2 years of experience working with credit risk methodologies in the banking sector or consultancy environments.
• Technical Expertise: Strong proficiency in managing large, complex data sets and applying machine learning (ML) and artificial intelligence (AI) techniques to build predictive models.
• Programming Skills: Advanced programming skills in Python, with hands-on experience in model development.
• Desirable Experience: Familiarity with IRB (Internal Ratings-Based) and IFRS9 regulatory frameworks is a plus.
• Analytical Mindset: Strong analytical and critical thinking abilities, with a knack for solving complex problems and identifying root causes.
• Communication Skills: Excellent communication and interpersonal skills, enabling effective collaboration with both technical and non-technical stakeholders.
• Adaptability: Ability to work in fast-paced environments, manage multiple priorities, and perform under pressure.

Which are the next steps?

1. Interview with People Team

2. Interview with Lead Data Science

3. Interview with Head of Data

4. Meet the team (Cultural fit)

We promote equal opportunity to all, regardless of age, color, gender identity, medical condition, physical or mental disability, race, religion, sexual orientation, or any other characteristic. We have an inclusive environment, and respect is above all.

Do you want to be part of the change? Join us! 👇