Job
- Level
- Senior
- Job Field
- Data
- Employment Type
- Full Time
- Contract Type
- Permanent employment
- Location
- Berlin
- Working Model
- Onsite
Job Summary
In this role, you will iterate on credit risk models, optimize ML infrastructure, and integrate new data sources while collaborating closely with the engineering team and monitoring performance.
Job Technologies
Your role in the team
- At SumUp, we're on a mission to empower small businesses across the globe by providing a vast set of simple and affordable business tools to help them start, run, and grow their businesses.
- Lending at SumUp is a mature, scaled business with a strong and proven credit risk foundation.
- Our core models and decisioning frameworks are already robust and in production; as our portfolio grows, our challenge is safely extracting marginal gains from a complex system where changes are incremental and the stakes are high.
- As a Senior Data Scientist, you will be highly hands-on and embedded in day-to-day lending decisions.
- This role exists to strengthen our ability to improve what already works, reduce operational risk, and ensure long-term reliability as we scale into new markets.
- You will work within the Credit Risk Analytics (CRA) team, a streamlined group responsible for the modeling and analytics that underpin our global lending portfolio.
- Optimize Credit Risk Models: Iterate on existing models to improve stability, predictive power, and net revenue impact while performing deep dives to support risk decisions.
- Drive End-to-End Deployment: Develop, test, and deploy new model versions in close collaboration with Credit Risk Engineering (CRE), ensuring no regressions or operational issues.
- Enhance ML Infrastructure: Improve machine learning pipelines and workflows to reduce maintenance overhead and failure modes.
- Integrate New Data: Evaluate and integrate new internal and external data sources (e.g., credit bureaus, open banking) into existing models and processes.
- Monitor Performance: Closely monitor models in production, investigating performance shifts or anomalies to maintain portfolio integrity.
- Promote Technical Excellence: Document work clearly and participate in code reviews, design discussions, and pair programming to maintain high-quality standards.
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Our expectations of you
Qualifications
- Deep understanding of Data Science principles, including statistics, probability theory, and machine learning concepts.
- Proven track record of building, evaluating, and deploying machine learning models end-to-end at scale.
- Strong software engineering practices, including writing clean, maintainable, testable code with version control and documentation.
- Collaborative and respectful team player who is comfortable voicing disagreements while committing to team decisions ('disagree and commit').
- Fluency in English with the ability to communicate technical findings clearly to diverse stakeholders.
Experience
- 5+ years of experience as a Data Scientist (or 7+ years in data-related/software engineering fields with at least 3 years in Data Science).
- MUST HAVE experience working with Credit Risk.
- Strong experience with Python (pandas, PySpark, scikit-learn) and SQL for complex data retrieval and manipulation.
- Experience with credit risk assessment, lending, or financial decisioning models.
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What we offer
- Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our Barcelona office.
- Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced.
- Enrolment onto our Virtual Stock Option programme: you will own a stake in SumUp's future success.
- A dedicated annual L&D budget of €2000 for your individual development, which you can be used to attend conferences and/or advancing your career through further education.
- A corporate pension scheme where we match up to 20% of your contributions.
- Generous time off: enjoy 28 days of paid leave plus public holidays and special leave days.
- Numerous other benefits such as Urban Sports Club subsidy, daycare placement assistance, subsidised office lunches.
- Break4me: 1-month sabbatical after 3 years of service.
- Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team.
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Benefits
Work-Life-Integration
Health, Fitness & Fun
Topics that you deal with on the job
Job Locations
This is your employer
Sumup
Our mission as a global FinTech company is to build the world's first global card acceptance brand, empowering small businesses all over the world and helping them achieve their goals.
Description
- Language
- English
- Company Type
- Established Company
- Working Model
- Onsite
- Industry
- Internet, IT, Telecommunication
Senior Data Scientist
- Location
- Berlin
- Working Model
- Onsite
- Diversity
- Open for all genders
- English Only
- English only required
