Senior Data Scientist – Fintech (Credit and Fraud)

Job description

Deep analysis. Smarter systems. Real users. As a Senior Data Scientist, you’ll own credit and fraud risk problems end to end — from framing an ambiguous question, through building and validating the model, to getting it live in a real-time decision engine and defending it in front of a risk committee. Your models decide who gets credit and which transactions get stopped, for millions of customers and merchants across our markets. The Fintech Data Science team sits at the centre of how Delivery Hero extends credit and protects the business from fraud losses, spanning underwriting, portfolio risk management, and fraud prevention across our products. We build the models and decision systems behind credit approval, limit management, and fraud detection, so the business can grow lending responsibly while keeping losses, chargebacks, and financial crime exposure under control. We work with AI every day — coding agents and LLM tools for pipelines, data exploration, code and test writing, and documentation — and we check what they produce rather than trusting it. Be part of building the financial backbone of Delivery Hero. You’ll develop products that empower millions of customers and merchants, from seamless payments to innovative financial solutions like wallets and credit. Your work will support our path to profitability by creating financial flexibility for users and enabling smooth transactions across our markets. Own problems end to end, from an unclear business question through data, modelling, deployment, monitoring, and adoption. Build and ship models: fraud and anomaly detection, real-time transaction decisioning, acquisition scorecards, and behavioural limit management. Give Risk, Compliance, Finance, Payments, and leadership a clear recommendation they can act on, and the reasoning behind it. Work closely with Engineering on reliability, owning the full data science lifecycle including deployment. Build the data foundations: data marts and pipelines that produce features and training datasets. Drive experimentation through to model rollout, then monitor what’s live and fix drift at the source. A track record of owning models end to end, from an unclear business question through build, validation, deployment, and real use by the business. Full-stack breadth: SQL and data analysis (e.g. BigQuery), orchestration and scheduled feature and training-data pipelines (e.g. Airflow), modelling, deployment (e.g. Metaflow, Vertex AI), and production monitoring. Strong Python, testing, and CI/CD. Fluency with AI tooling. You build with coding agents and LLMs every day, automate your own routine work, and spend LLM budget sensibly — the right model for the task, tight context, no tokens burned on what a script should do. And you catch what the output gets wrong. Independence and speed. You pick the approach, cut the scope, and ship, then explain why. Judgment under ambiguity. You can make a defensible recommendation when trade-offs have no single right answer: false positives vs. fraud caught, loss vs. approval rate. Clear communication. You can explain modelling trade-offs to non-technical stakeholders and support your recommendation with evidence when it’s challenged. Nice to have Experience in fraud, credit risk, payments, or fintech. Real-time or streaming decisioning systems. Building and deploying deep learning models in production. Building LLM- or agent-based solutions in production. Ensuring you and all our Heroes are looked after, happy, and healthy is always on the menu. Because if you’re in good shape, then we’re in good shape. Make the most of our hybrid working model and join the team for face-to-face connection and collaboration in our beautiful Berlin campus 2 days a week We offer 27 days holiday with an extra day on 2nd and 3rd year of service We will support you in developing yourself and your career growth opportunities: 1.000 € Educational Budget, Language Courses, Parental Support and access to the Udemy Business platform to explore a variety of online courses. Get moving and release those wonderful, mind-boosting endorphins: Health Checkups, Meditation & Gym. Cash. Dough. Cheddar. Whatever you call it, we’ll help you with it: Employee Share Purchase Plan, Sabbatical Bank, Public Transportation Ticket Discount, Life & Accident Insurance, Corporate Pension Plan The power of getting together over some food is unrivaled. Here are a few ways to help you do that. All the yum: Digital Meal Vouchers and Food Vouchers. Wondering what relocating to Berlin is like? In this article, we’ve put together 10 things you should know about moving to Berlin and how Delivery Hero can support you. You can also visit our relocation hub and check out more information about moving to Berlin. Ready to prepare for your interview? Check out the list of the 5 most common interview questions and answers created in collaboration with our recruiters. Ready to join our team? If you’re excited to grow, collaborate and be part of the world’s leading delivery platform, we’d love to hear from you. Apply today! We believe diversity and inclusion are key to creating not only an exciting product, but also an amazing customer and employee experience. Fostering this starts with hiring - therefore we do not discriminate on the basis of racial identities, religious beliefs, color, national origin, gender identities or expressions, sexual orientations, age, marital or disability statuses, or any other aspect that makes you, you. We encourage you to let us know if you need any accommodations or specific accessibility support to ensure a smooth interview experience—just let us know with an email to our Inclusion Officer at . You're welcome to share your pronouns (he/she/they) right from the start so we can address you respectfully from our first contact. As the world’s pioneering local delivery platform, our mission is to deliver an amazing experience, fast, easy, and to your door. We operate in around 65 countries worldwide, powered by tech, designed by people. As one of Europe’s largest tech platforms, headquartered in Berlin, Germany, Delivery Hero has been listed on the Frankfurt Stock Exchange since 2017 and is part of the MDAX stock market index. We push hard, learn quickly and stay human along the way. It’s this wonderful mix of high performance and real community that makes Delivery Hero a place where ambition and belonging grow side by side. If you’re curious, collaborative and ready to dive deep into meaningful work, you’ll fit right in.