AlphaCredit is the market leader in consumer loans in Belgium and Luxembourg and is part of the BNP Paribas group. From our office, within walking distance of Brussels Central station, we offer all possible credit solutions through our professional partners or directly to customers. Present for over 30 years, our experience allows us to realize the dreams of thousands of clients with a responsible approach.
JUNIOR DATA SCIENTIST (M/F/X)
Context
The Data Tribe is at the heart of AlphaCredit's data-driven transformation. Its mission is to create value through data by developing data platforms, advanced analytics capabilities, artificial intelligence solutions, reporting tools and data governance practices across the organization.
The Data Tribe is structured around four complementary teams: CoE Analytics & AI, CoE Data Governance, Visualization Solutions and Squad Data Hub.
Within this Tribe, the CoE Analytics & AI leverages company data to produce analyses, predictive models and Data & AI solutions that support business decisions, improve operational efficiency and create measurable value.
The team is involved across the entire data value creation cycle: understanding business needs, framing use cases, conducting business analyses, developing statistical and artificial intelligence models, measuring impact, supporting business teams in data-driven decision-making and contributing to the responsible and governed use of data.
In this context, AlphaCredit aims to progressively strengthen its strategy around AI and its use cases, as well as the associated governance, in line with Group standards, the AI Watchtower and regulatory requirements such as the AI Act.
Your role
Within the CoE Analytics & AI team, you support business teams in identifying and implementing data- and artificial intelligence-based solutions to address concrete business challenges and create measurable value for the company.
Depending on the nature of the needs, you contribute either through advanced analyses that help better understand a situation, identify opportunities or support decision-making, or through the development of and contribution to Data & AI use cases aimed at improving or automating certain business processes.
The objective is to provide recommendations, insights or concrete solutions that improve the company's performance, across a variety of topics, notably marketing (for example: understanding the factors influencing credit demand, analyzing customer behavior to optimize targeting, developing predictive or propensity models) and operations (for example: identifying levers to improve collections performance, designing and testing solutions to increase operational efficiency).
You take part in the different stages of these initiatives: understanding the business need, exploring and preparing data, formulating hypotheses, conducting analyses or developing models, evaluating results and presenting outcomes to stakeholders.
You ensure regular follow-up of your work, communicate on progress and contribute to the documentation of the analyses, models and results produced.
You apply the quality, data and AI governance, data protection and responsible AI standards defined within the Data Tribe.
You progressively develop your technical and functional autonomy in an environment that encourages learning, knowledge sharing and collaboration with more experienced profiles within the team.
Your responsibilities
- Participate in the framing of Data & AI use cases with business teams.
- Explore, prepare and ensure the reliability of data from marketing, transactional, digital, risk or operational sources.
- Develop predictive models or scores for propensity, appetite, risk, prioritization or customer segmentation.
- Test and compare different modeling approaches and evaluate model performance.
- Document datasets, assumptions, processing steps, variables, models and results.
- Prepare clear presentation materials for non-technical stakeholders.
- Measure the business impact of the recommendations or solutions implemented.
- Apply quality, compliance, data protection and responsible AI rules.
- Contribute, at your level, to the AI governance practices implemented at AlphaCredit.
Your profile
- You hold a university degree in a quantitative field: Data Science, Statistics, Applied Mathematics, Computer Science, Engineering, Quantitative Economics or equivalent.
- You ideally have initial experience, an internship or a significant project in Data Science, Machine Learning, applied statistics or advanced analytics.
- You have solid foundations in Python, SQL and data manipulation.
- You understand the basic principles of data analysis, predictive modeling and model evaluation.
- You are curious about data and artificial intelligence topics and want to apply them to concrete business challenges.
- You are able to understand a business problem and translate it into analyses or data-based solutions.
- You can present your analyses and recommendations clearly to business or non-technical stakeholders.
- You are rigorous in documenting your work and complying with governance standards.
- You demonstrate curiosity, critical thinking, progressive autonomy and a strong team spirit.
- Knowledge of SPSS, cloud environments, MLOps principles or visualization tools is an asset.
- You are fluent in English as well as French or Dutch.
Our offer
- A rewarding function in a flexible working environment.
- An open working environment and enthusiastic colleagues who, with you, strive to achieve a high level of customer satisfaction.
- Many training opportunities to continue developing your knowledge and skills.
- A permanent contract in a continuously evolving company within the solid BNP Paribas Group.
- A competitive salary with a wide range of extra-legal benefits (insurance, meal vouchers, extra-legal days off, etc.).
- A Flex Income Plan allowing you to convert your end-of-year bonus (with a fixed collective choice moment) into additional benefits each year, including a leasing bike or car, extra vacation days, etc.
- A good work-life balance.
Promoting access to more responsible and sustainable consumption to support our clients and partners.
Leader in consumer credit in Belgium and Luxembourg, AlphaCredit is part of the BNP Paribas Group. We offer a full range of credit solutions through our professional partners
AlphaCredit is committed to promoting an inclusive and respectful work environment, where every individual is valued without distinction of race, gender, age, religion, sexual orientation, disability or any other characteristic protected by law.
Any form of discrimination is strictly prohibited by our code of conduct.
