Kreditech: Data Scientist, Business Analyst

Responsible for performing advanced business analysis and forecasting on a wide range of problems, from debt collection performance to customer experience optimization.

Kreditech Company: Kreditech
Location: Hamburg, Germany

You are searching for a demanding field of application for artificial intelligence and machine learning?
You are a data scientist by heart and soul?
You value non-conventional and creative approaches to problem solving?
You want to build and shape credit scoring 2.0?

Then this is the chance you have been waiting for - join our Data Science team now!

Kreditech is the DIGITAL LENDING company which provides easy, fast access to online loans to consumers in seven countries through its web and mobile services. The convenient & fast financial products and services are backed by a sophisticated BIG DATA credit scoring process using the powers of machine learning algorithms and big data infrastructure to rate the customer's creditworthiness. Our scoring technology uses more than 10,000 data points to score an application in less than one minute, and the funds are paid out automatically.

125 coworkers in Hamburg, more than 140 worldwide, make this happen. A recent investment of $40 million from Varde Partners has pushed us to the next level. We're a close team of creative, brilliant individuals from thirty-eight countries, working with cutting-edge technology to create a global leader in 21st century DIGITAL LENDING.

Sounds like a dream? It's not - it's reality. Kreditech is a place of innovation, speed, high growth, high performance, and high reward. We break established tradition, we write our own rules, and we bring in the best people to build up the team. If you want to be a part of this, here is your chance.

Your role at Kreditech:

As a key part of our dynamic and fast-growing team, you will be responsible for performing advanced business analysis and forecasting on a wide range of problems, from debt collection performance to customer experience optimization.

This is the optimal opportunity for you to:
  • Get involved in a great domain of application for data mining techniques
  • Work with state-of-the art stack of data processing technologies
  • Experience a range of different problems and technologies from day 1
  • Get responsibility right from the first day and the unique chance to spearhead the way big data is used in one of the fastest growing financial sectors

Your profile:
  • You hold an advanced degree in Mathematics, Computational Statistics, Computer Science or AI (PhD in an applicable field preferred, Masters level is a must)
  • You have 2-4 years working experience in quantitative research and statistical data analysis
  • You have strong analytic + quantitative capabilities and strong problem solving skills: you know your tools, and no matter the task at hand are capable of recognizing which of those is ideal for the job, or when a new tool is needed
  • You have experience in analyzing complex data and presenting your conclusions in a clear and concise manner to a wide range of audiences.
  • You are absolutely fluent in R (R Studio) (non-negotiable)
  • You are familiar with both PosgreSQL and MongoDB database technologies, and are capable of at least querying them for any data required.
  • You speak English fluently-any other language or German are not required but an additional plus
  • You would love to be part of Germany's next big fin-tech start-up

A Big Plus can be:
  • Modelling experience in the financial or lending industry
  • Experience with semi-supervised or unsupervised learning
  • Practical expertise in social networks analysis
  • Proven track record of original development, and communications of such developments (academic publications, presentations at conferences, etc)

If this sounds like you, we would love a chance to talk with you!

Apply Now.

We welcome your application in English. To apply, just click the "Apply Now" button and follow through with our Jobvite platform. Please note that we do not accept applications by email, but would be happy to answer your questions - just send them through to

All positions at Kreditech are in Hamburg, Germany. This allows centralization of data and efficient operations and knowledge sharing. EU immigration law only permits us to accept candidates without an EU work permit if their profile and applicable work experience is exceptionally strong by the criteria listed above, so it's best if you already have a work permit valid in Germany.

What we can offer you:

Kreditech wants to take good care of its employees - we want to make sure that working is exciting and productive. So to keep the team happy, Kreditech offers a modern, chic office located in the ever-growing Hafencity in Hamburg. Inside, you'll find a coffee machine to quench your thirst, snacks when you're hungry, Xbox to play when you need a break, a ping-pong table when you need exercise, and scooters to take you from one side of the office to the other in a flash. Outside, we make sure you can keep fit with a gym pass, or offer you a Metro pass to help with the commute. All in all, you're in good hands at Kreditech.