Senior/Lead Data Scientist (Credit & Finance Model Validation) (Fintech)

Location: Stockholm, London

Salary: kr 752,814 SEK - kr 1,076,536 SEK

Company

Leading global fintech providing Buy Now Pay Later services and payments products.

What you will do

• Perform rigorous end-to-end validation of credit risk and finance models, reviewing conceptual soundness, data, features, training, compliance, documentation, deployment, and monitoring.
• Replicate model development and conduct challenger analyses as needed.
• Collaborate with data scientists, ML engineers, and stakeholders to communicate risks and findings.
• Provide recommendations and document outcomes per governance and regulatory standards.
• Drive enhancements to agentic AI tools for automating validation processes.
• Maintain model risk management frameworks aligned with regulations and best practices.

Requirements

• Advanced degree (Master’s or PhD) in quantitative field like data science, statistics, math, CS, physics, or engineering.
• 3+ years hands-on experience in credit risk and/or IFRS9/CECL impairment modeling.
• Strong expertise in statistical/ML models, especially credit risk and IFRS9/CECL provisioning.
• Hands-on with Python, SQL, Spark, AWS.
• Excellent analytical, problem-solving, communication, and stakeholder skills.
• Knowledge of regulatory requirements for model risk management.

Nice to have

• Experience with BNPL, credit cards, personal loans, payments.
• Mentoring juniors or leading validation reviews.
• Building agentic AI workflows and AI governance knowledge.

Culture & Benefits

• Full-time role in innovative data science and risk management environment.
• Opportunity to stay at forefront of credit/finance modeling and AI/ML trends.
• Collaborative work with product stakeholders and technical teams.