Lead Data Scientist Spend

Tallinn - Estonia

Monthly Salary: Not Disclosed

Posted on: 23-10-2025

Vacancies: 1 Vacancy

Job Summary

As a Lead Data Scientist on the Spend team you will leverage your expertise in data science to innovate and deploy models that enhance our card fraud detection capabilities and optimize card product performance. Your work will directly influence our ability to safeguard customers during card transactions while driving card adoption and retention. You will collaborate closely with cross-functional teams including engineering product and risk management.

Lead the development and deployment of advanced machine learning models to enhance our detection of card fraud and optimize card product performance across different Wise markets.

Analyze large volumes of transaction data to identify trends patterns and anomalies associated with fraudulent card activity and customer behavior.

Design and implement experiments to evaluate the effectiveness of fraud detection systems and card product features continuously improving their performance.

Design and deploy LLM-based risk handling automation components to enhance decision-making processes and streamline risk response workflows.

Collaborate with analysts risk teams and engineers to translate business requirements into actionable data insights and solutions for card issuance fraud prevention and retention.

Develop robust data pipelines algorithms and tools to support real-time fraud detection and card product optimization.

Stay informed about the latest advancements in data science machine learning and payment fraud prevention techniques to ensure state-of-the-art capabilities in the Spend domain.

Mentor and guide junior data scientists fostering a culture of collaboration and continuous learning within the team.

Qualifications :

Proven experience in a data science role bonus if experience is related to card domain fraud detection anti-money laundering or fintech related domains;
Strong proficiency in machine learning frameworks and programming languages such as Python R or similar.
Experience working with large datasets and data processing technologies (e.g. Hadoop Spark SQL).
Experience designing and deploying LLM-based solutions in production.
Familiarity with anomaly detection supervised and unsupervised learning methods and real-time data analysis.
Demonstrated ability to work collaboratively in cross-functional teams and effectively communicate complex technical concepts to non-technical stakeholders.
A proactive problem-solving mindset with a passion for protecting users from criminal activities.
You have a solid knowledge of Python and are able to make and justify design decisions in your code. You know how to use Git to collaborate with others (e.g. opening Pull Requests on GitHub) and are able to review code. Ability to read through code especially Java. Demonstrable experience collaborating with engineering on services;
You have experience working with compliance in assuring effectiveness of controls;
You are familiar with a range of model types and know when and why to use gradient boosting neural networks regression autoencoders clustering or a blend of these;
Experience with statistical analysis and good presentation skills to drive insight into action;
A strong product mindset with the ability to work independently in a cross-functional and cross-team environment;
Good communication skills and ability to get the point across to non-technical individuals;
Strong problem solving skills with the ability to help refine problem statements and figure out how to solve them.

Additional Information :

For everyone everywhere. Were people building money without borders without judgement or prejudice too. We believe teams are strongest when they are diverse equitable and inclusive.

Were proud to have a truly international team and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what its like to work at Wise visit .

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Remote Work :

Employment Type :

Full-time

As a Lead Data Scientist on the Spend team you will leverage your expertise in data science to innovate and deploy models that enhance our card fraud detection capabilities and optimize card product performance. Your work will directly influence our ability to safeguard customers during card transac...