Data Scientist - Ifrs Modeling H/F Younited Credit
Paris 9e - 75 CDI- Télétravail occasionnel
- Bac +5
- Banque • Assurance • Finance
Détail du poste
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.
Le profil recherché
- 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).
Hellowork a estimé le salaire pour ce métier à Paris
Le recruteur n'a pas communiqué le salaire de cette offre mais Hellowork vous propose une estimation (fourchette variable selon l'expérience).
Estimation basée sur les données INSEE et les offres d’emploi similaires.
Estimation basse
43 500 € / an 3 625 € / mois 23,90 € / heureSalaire brut estimé
52 500 € / an 4 375 € / mois 28,85 € / heureEstimation haute
70 000 € / an 5 833 € / mois 38,46 € / heureCette information vous semble-t-elle utile ?
Merci pour votre retour !
- Paris 9e - 75
- CDI
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