Data Scientist

We are seeking a Data Scientist to build production-ready applications. Our Data Science team develops practical machine learning applications to enable innovative and customer-facing product features.

• Own well-scoped projects from data exploration and feature engineering through modelling to deployment with guidance from senior colleagues on larger or more ambiguous problems.
• Contribute to solutions in financial crime prevention and credit risk assessment that reach customers.
• Collaborate with data scientists machine learning engineers and product managers to deliver customer value.
• Support junior colleagues through code reviews pairing and knowledge sharing.
• Have the opportunity to experiment with new tech stacks and project ideas.

• Bachelors or Masters degree with a focus on quantitative disciplines including mathematics statistics or computer science.
• Practical experience (typically 24 years) developing machine learning solutions with at least one model taken to production. Experience in banking fraud detection or credit risk is a plus.
• Hands-on experience with a range of modelling techniques including:
  • Classification and regression models: (e.g. CatBoost XGBoost LightGBM)
  • Time Series Analysis: (e.g. ARIMA SARIMA Prophet)
  • Unsupervised Models: (e.g. clustering anomaly detection such as Isolation Forest)
• Solid understanding of model evaluation including handling imbalanced data validation strategies and calibration.
• Strong programming skills in Python and SQL.
• Working knowledge of infrastructure (e.g. Docker/containers CI/CD GitHub Actions) and the ability to ship and maintain your own code.
• Familiarity with Deep Learning concepts (neural networks transformers autoencoders) and at least one framework (TensorFlow Keras or PyTorch).
• You are organised and self-motivated and can drive projects forward independently while knowing when to ask for input.
• Language skills: English (full professional proficiency).

• Knowledge of the banking industry (regulatory and compliance PD/LGD/EAD modelling credit card fraud anti-money laundering).
• Experience with cloud ML platforms especially AWS SageMaker.
• Familiarity with Large Language Models (LLMs).
• Early experience mentoring or onboarding colleagues.

• Highly collaborative and actively help yourself (and others) be successful.
• A strong passion for learning and continuously challenging the status quo.
• Strong bias for action and a willingness to make an impact from day 0.
• Give and receive open direct and timely feedback.
• Think globally act locally.

• Accelerate your career growth by joining one of Europes most talked about disruptors.
• Employee benefits that range from a competitive personal development budget work from home budget discounts to fitness & wellness memberships language apps and public transportation.
• Come together with your team in the office for a dedicated day of teamwork each week plus another day of your choice and enjoy the flexibility of remote work the rest of the time. Some roles may require additional in-office presence.
• As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.
• Additional day of annual leave for each year of service.
• A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities life experiences and backgrounds.
• A relocation package with visa support for those who need it.

N26 has reimagined banking for todays digital world. Technology and design empower everything we do and its how we are building the global banking platform the world loves to use.

Weve eliminated physical branches paperwork and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.

We are headquartered in Berlin with offices in multiple cities across Europe including Vienna and Barcelona and a 1500-strong team of more than 80 nationalities.

Sounds good Apply now for this position.

Equal Opportunities:

We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential.

We genuinely welcome and encourage applications from people of all backgrounds cultures genders sexual orientations abilities neurodiversities and ages. Were committed to creating an inclusive workspace where everyone feels valued and respected free from harassment and discrimination. If theres anything you need to make the application process work for you please let us know by reaching out to .

Visit ourwebsite to learn more about Diversity Equity & Inclusion at N26.