Data Scientist / Machine Learning

About The Company

Oney is a distinctive and innovative banking institution rooted in commerce. Driven by core values of Liberty, Respect, and Enthusiasm, the company employs thousands of talented professionals across 12 countries, working tirelessly to enhance daily life and improve consumption experiences. Oney specializes in creating cutting-edge payment and financing solutions that simplify the lives of millions of consumers and thousands of merchants throughout Europe. As a partner in the transformation of commerce, Oney is a pioneer and leader in split payment services in France, offering a comprehensive digital and omnichannel solution available across five European markets. With over thirty-five years of experience, Oney is committed to facilitating everyday purchases by empowering customers with not just purchasing power but also the freedom of choice, enabling better money management aligned with individual values. This philosophy is encapsulated in the company's motto: "Your money, your way."

About The Role

We are seeking a talented Data Scientist / Machine Learning Engineer to join Oney’s Data Innovation & AI department. This role offers an exciting opportunity to be at the forefront of AI development within the financial services sector. Your mission will be to develop and accelerate the integration of Machine Learning, Deep Learning, Natural Language Processing (NLP), and Generative AI solutions to leverage data, optimize operational processes, and enhance customer experience. You will be an integral part of the Data Science team, working on creating innovative AI tools and solutions that enable Oney to deliver top-tier products and services to its clients.

Key responsibilities include designing and optimizing scoring models for risk assessment and customer behavior, ensuring model stability through training, deployment, and continuous monitoring to detect drifts. You will collaborate closely with business experts and risk teams to refine models and integrate AI solutions into digital customer journeys via real-time APIs, enabling personalized offers and instant scoring. Additionally, you will contribute to the technical architecture, following best practices in cloud computing and MLOps, to streamline deployment and industrialization of AI models. The role also involves prototyping and deploying Generative AI agents (such as LLMs and RAG systems) to transform internal processes, automate credit offers, and improve customer interactions, ensuring high performance and coherence of these agents.

Qualifications

• 5 to 7 years of professional experience in Data Science and MLOps
• Strong expertise in supervised learning models: Logistic Regression, Tree-based models, Gradient Boosting (XGBoost, LightGBM)
• Proficiency with explainable AI techniques: SHAP, LIME, and related methods
• Hands-on experience with Generative Models and Large Language Models (OpenAI, HuggingFace, fine-tuning)
• Solid knowledge of Data Engineering and MLOps ecosystems: Pandas, Scikit-learn, MLflow, Pydantic, FastAPI, LangChain, Kubernetes, Docker
• Experience in deploying models as APIs and managing automated pipelines
• Strong understanding of model monitoring, including data quality, performance metrics, drift detection, and back testing
• Familiarity with Snowflake and banking regulatory requirements is a plus
• Excellent communication skills and ability to work collaboratively across multiple teams and disciplines

Responsibilities

• Design, develop, and optimize scoring models for risk assessment and customer behavior analysis
• Train, deploy, and monitor models to ensure stability and performance over time
• Collaborate with business and risk teams to refine models and align with strategic objectives
• Integrate AI models into digital customer journeys via real-time APIs, enhancing personalization and decision-making
• Participate in defining technical architecture and best practices for cloud deployment and MLOps
• Prototype and deploy Generative AI agents (LLMs, RAG systems) to automate internal processes and improve customer interactions
• Implement architectures for automating credit approval processes and document analysis
• Evaluate and monitor AI agent performance, ensuring coherence, diversity, and regulatory compliance
• Stay updated on the latest AI advancements and continuously improve existing models and solutions

Benefits

• Competitive salary package
• Opportunities for professional growth and development in a dynamic environment
• Participation in innovative AI projects impacting customer experience and operational efficiency
• Collaborative and inclusive work culture
• Flexible working arrangements and remote work options
• Access to cutting-edge tools and technologies in AI and data science
• Comprehensive health and wellness benefits

Equal Opportunity

Oney is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of race, gender, age, religion, sexual orientation, disability, or background. We believe that diverse teams foster innovation and drive our success, and we welcome applications from all qualified candidates who share our values and passion for technology and customer service.