Data Scientist Credit Risk

Are you a Data Scientist who loves financial products but finds the traditional industry moving too slow Then come help us revolutionize the way we view business financing!

Your role

Weve built a platform that turns business financing from a slow manual process into a one-second decision. Now were looking for someone to make it even smarter. As a Data Scientist at BridgeFund youll help shape the logic that decides how millions in business funding flow through our system. Youll work end-to-end: designing training and deploying models that predict risk assess creditworthiness and guide portfolio performance. Youll turn raw data into clear actionable insight: the kind that changes how we lend price and grow. Youll be part of a compact high-impact team of data scientists engineers and analysts who are driven by rapid prototyping and continuous deployment. We test fast ship often and only celebrate what works in production. Were far from done and thats exactly how we like it.

Responsibilities

• Build next-generation steering models combining PD LGD and behavioral data to drive profitable commercial growth.

• Analyze drivers of risk and performance and translate these insights into smarter acceptance pricing and portfolio strategies.

• Design and validate features that make models more robust and explainable

• Partner with engineers to bring models into production and keep them running smoothly

• Use smart decisioning and predictive models to accelerate loan approvals and identify high-potential customers.

• Develop early-warning signals stress-testing frameworks and proactive risk intervention mechanisms for existing portfolios.

• Champion model explainability by translating complex machine learning outputs into transparent interpretable and actionable decisions for leadership across Engineering Analytics and Data Modeling.

• Stay sharp on trends and new modeling techniques

• As a senior you will coach junior team members and help the team grow

What you bring

• 5 years of experience as a Data Scientist or Credit Risk Modeler in a bank fintech or lending company.

• Proven experience building and owning credit risk models (e.g. PD LGD loan capacity portfolio models).

• Strong skills in Python and SQL.

• Experience taking models from data to production and embedding them in real credit decisions (acceptance pricing credit limits).

• Strong understanding of lending portfolios and the growth vs risk trade-off with experience contributing to risk appetite & portfolio steering.

• Comfortable working with engineers analysts and risk stakeholders in a cross-functional environment.

• Business-driven: able to link models and analyses to approval rate losses margin and portfolio performance.

• Structured proactive and able to take ownership in a fast-growing scale-up environment.

Who we are

While small businesses drive the economy when it comes to financing traditional systems still move at the speed of paper. We founded BridgeFund in 2018 to change that. Weve stripped away the bureaucracy: an entrepreneur applies in just five minutes and our advanced technology processes the data quickly and efficiently. By combining cutting-edge automation with real human logic we make financing decisions that are both fast and fair. We grew our portfolio 55% last year and have proudly fast-tracked over 850 million in loans to entrepreneurs. Our next goal To scale our data capabilities by making our platform even sharper ensuring support for the next generation of entrepreneurs

What we offer

• A competitive salary between 6.400 and 7000 based on 40 hours per week. Growth is intentional here. We use an internal competency framework to help you track your progress and continuously evolve in your role.

• A hybrid model requiring three days per week in our office.

• 6% pension via ASR Doen Pensioen

• 25 paid vacation days and 8% holiday allowance

• Two weeks per year of remote work from abroad

• Travel allowance of 0.23 per kilometer (even if you cycle)

• 40 Alleo budget per month for things like TrainMore Uber or a day out

• BridgeFund Academy for personal growth learning and coaching

• Annual Learning & Development budget of 1500 for your professional growth

• Modern workspace with a MacBook open areas quiet zones and zero ceiling tiles

• Bridge Day: one extra day off for something that matters to you

• Company boat The Royal Ted for team events or private use

• Sports activities such as boxing classes and a running club

• 50% paid lunches

• Free snacks: healthy and not-so-healthy

• Friday drinks quarterly parties and team outings

• BridgeFun(d) bar with DJ booth stage and karaoke
  

Curious

Good. Thats usually how the best data scientists start here at BridgeFund. Apply directly or reach out to Anna-Maria at . We cant wait to hear what youre all about!