Работа Junior Data Scientist в София
134 нови обяви за работа
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About the role: We are on a mission to bring subprime lending to the Fintech 2.0 horizon! Our way forward is to provide sustainable, scalable and embedded financial solutions to a wider range of customers that are often excluded by the traditional b...
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Mid or Senior Data Engineer Sofia/hybrid Highly competitive salary and bonus and unbeatable benefits package Nordic Recruitment & Consulting offers efficient IT and Cyber Security recruitment and business consulting in Bulgaria - and beyond. Having...
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FULLSTACK DATA SCIENTIST (m/f/d) We are seeking talented and passionate data scientists to join our growing team and revolutionize our operations research portfolio. In this role, you will be at the forefront of developing and implementing cutting-e...
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Delivering value to our customers through seamless and integrated technological processes is a key focus for dormakaba. Stable and reliable data is a cornerstone for every digital process and interaction for both internal and external stakeholders. J...
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Postbank has over 30 years’ presence as one of the leaders in Bulgaria’s banking sector. The bank is a decisive factor in innovation, shaping the country’s banking trends in recent years and is award-winning for its innovation. For our IT Divi...
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Company Description Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing...
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Company Description Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, create marketing solution...
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7,680 лв - 12,180 лв / месец (нето) от работодател
Senior Data Engineer Sofia/hybrid Around 7000-10.000+ BGN net/month + annual bonus 1.4 net salaries + benefits (including family insurance) Nordic Recruitment & Consulting offers efficient IT and Cyber Security recruitment and business consulting in...
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HMG LINKS Ltd is a local multi-sector recruitment company focused on tailor-made solutions for its partners’ human resources needs. We strongly believe in an honest and ethical approach to recruitment. Data and tools? You are an analytical thinker...
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Data Engineer DSK Bank is one of the leading banks in Bulgaria, with a great IT team of more than 350 IT talents, experiencing professional growth and development every day. We are the biggest and fastest growing player on the bank market and we ar...
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6,330 лв - 7,230 лв / месец (нето) от работодател
UpSkill is a recruitment agency ready to go the extra mile to help candidates find the best possible job opportunity. Our team of experts is well-versed and experienced in consulting and providing long-term HR support. We believe that being friendly...
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4,080 лв - 4,980 лв / месец (нето) от работодател
UpSkill is a recruitment agency ready to go the extra mile to help candidates find the best possible job opportunity. Our team of experts is well-versed and experienced in consulting and providing long-term HR support. We believe that being friendly...
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Mid or Senior Data Engineer Sofia/hybrid Highly competitive salary and bonus and unbeatable benefits package Nordic Recruitment & Consulting offers efficient IT and Cyber Security recruitment and business consulting in Bulgaria - and beyond. Having...
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Postbank has over 30 years’ presence as one of the leaders in Bulgaria’s banking sector. The bank is a decisive factor in innovation, shaping the country’s banking trends in recent years and is award-winning for its innovation. For our IT Divi...
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8,000 лв - 11,000 лв / месец (нето) от работодател
Senior Python Data Engineer Sofia/hybrid Around 7000-10.000+ BGN net/month + annual bonus 1.4 net salaries + benefits (including family insurance) Nordic Recruitment & Consulting offers efficient IT and Cyber Security recruitment and business consul...
Какво е това?
Това е изчисление на Yox за приблизителната работна заплата за тази позиция. Посочената стойност не е потвърдена от работодателя и може да се различава с реалната стойност на предлаганото възнаграждение.
Как се смята?
Изчислена Заплата е приблизителната стойност на възнаграждение за конкретната позиция на базата на данни от стотици хиляди обявени заплати по професия за последните 2 години. В Yox се предоставя и информация за заплатите от служители, която също е част от изчислението.
Защо тази информация е полезна?
Можеш да разбереш приблизителната заплата за тази позиция. Можеш и да филтрираш списъкът с обявите за работа по размер на работната заплата.
Пълно описание
We are on a mission to bring subprime lending to the Fintech 2.0 horizon! Our way forward is to provide sustainable, scalable and embedded financial solutions to a wider range of customers that are often excluded by the traditional banks! We are looking for a passionate Data Scientist to join our Risk Function and take ownership of the full lifecycle of our consumer credit risk models. You will develop, calibrate and maintain scorecards and IFRS 9 models, monitor performance, and ensure full documentation and regulatory compliance. This is a high-impact role where you will help shape the entire risk modelling framework of a highly ambitious financial institution.
Key Responsibilities:
Risk Modelling & Analytics
- Develop, calibrate, and maintain consumer credit risk models, including:
- Application scorecards
- Behavioral scorecards
- Risk segmentation and affordability models
- Build and maintain PD, LGD, and EAD models for IFRS 9 Expected Credit Loss (ECL) calculations.
- Use advanced ML methods (e.g., CatBoost, gradient boosting) where suitable for challenger models.
IFRS 9 Modelling
- Maintain and enhance the IFRS 9 ECL model, including staging logic, macroeconomic overlays, and model calibration.
- Support the monthly and quarterly provisioning cycles with high-quality analytics.
Model Monitoring & Validation
- Perform regular model monitoring: Gini/ROC, KS, calibration, PSI/CSI, back-testing.
- Conduct annual validation and coordinate external validator/auditor reviews.
- Identify model weaknesses and propose improvements or recalibrations.
Documentation & Governance
- Maintain complete model documentation (methodology, data, assumptions, validation results).
- Ensure compliance with internal Risk Policies, IFRS 9 guidance, and audit requirements.
- Prepare model performance updates for the Risk Committee.
Data & Systems
- Work with Data Engineering to improve data pipelines and ensure data quality.
- Build reproducible analytical workflows in Python/R, SQL.
- Support deployment of models into production systems and decision engines.
Requirements:
Technical Skills
- 2+ years of experience in credit risk modelling, data science, or advanced analytics.
- Strong programming skills in Python (mandatory) plus solid SQL.
- Experience and good understanding of tree-based models, boosting, sampling techniques, deep learning
- Hands-on experience building:
- Logistic regression scorecards with WOE/IV
- PD/LGD/EAD models
- IFRS 9 provisioning models is a plus
- Strong understanding of model monitoring metrics: Gini, ROC, KS, PSI, calibration curves.
Education
- Bachelor’s or Master’s degree in Statistics, Mathematics, Data Science, Econometrics, Finance, Physics or similar.
Soft Skills
- Excellent analytical and problem-solving skills.
- Strong attention to detail and documentation discipline.
- Ability to work cross-functionally (Risk, Finance, IT, Product).
- Good communication skills in English.
We offer
- A future in a dynamic company passionate about innovation and fintech services
- Potential growth based on performance
- Opportunity to experiment with and apply innovative scoring methodologies
- Very friendly, supportive and non-conflict working environment
Please be informed that only short-listed candidates will be contacted. All applications will be treated in strict confidentiality
Средна заплата за сектора
4,980 лв / месец (изчислена от Yox)
Средна работна заплата за града изчислена от YOX
500 лв / месец
700,000 лв / месец
Мнения и оценки от служители
Изследовател на данни/изследователка на данни
Изследователите на данни намират и тълкуват богати източници на данни, управляват големи количества данни, обединяват източници на данни, осигуряват съгласуваност на наборите от данни и създават визуализации за подпомагане на разбирането на данните. Те изграждат математически модели като използват данни, представят и съобщават констатациите и откритията за данни на специалисти и учени от техния екип и, ако е необходимо, на неспециализирана аудитория, и препоръчват начини за прилагане на данните.
Необходими основни умения
- съставяне на научни или академични документи и техническа документация
- нормализиране на данни
- управляване на изследователски данни
- използване на техники за обработване на данни
- тълкуване на текущи данни
- взаимодейства професионално в научноизследователска и професионална среда
Необходими основни знания
- проучване на данни
- техники за визуално представяне
- извличане на информация
- статистика
- категоризиране на информация
- език за описание на търсене на мрежови ресурси
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