Role Description Dans le cadre de l'expansion de Djamo, nous recherchons un·e Data Scientist Staff – Crédit & Fraude pour prendre la responsabilité technique senior d'un des sujets les plus critiques de notre activité : décider qui a accès au crédit, et protéger nos utilisateurs contre la fraude, à grande échelle. Rattaché·e à la Head of Data, vous serez la voix technique la plus senior en matière de crédit et de fraude au sein de l'équipe Data. Ce n'est pas seulement un rôle de construction de modèles : vous définirez l'orientation technique de la manière dont Djamo évalue le risque de crédit, détecte la fraude et gère le risque à mesure que nous nous développons sur de nouveaux marchés et produits. Vos responsabilités principales : - Définir la stratégie technique et la roadmap pour le risque de crédit et la détection de fraude. - Concevoir, construire et déployer des modèles statistiques et de machine learning de qualité de production. - Définir les standards techniques et les bonnes pratiques pour la fonction data science. - Collaborer étroitement avec les équipes dirigeantes Engineering, Produit, Risque et Opérations. - Explorer et défendre de nouvelles manières d'utiliser l'IA/ML pour le crédit, la prévention de la fraude et l'inclusion financière. Qualifications - Master ou doctorat en data science, informatique, statistiques, ingénierie ou domaine connexe. - Au moins 7 ans d'expérience en analyse de données à grande échelle, machine learning et modélisation prédictive. - Une bonne maîtrise de l'anglais. - La connaissance du cadre réglementaire et prudentiel régissant le crédit et la fraude dans la région est un atout. Requirements - Maîtrise approfondie des statistiques avancées appliquées à la modélisation. - Expertise avancée en Python & SQL. - Expertise en modélisation du risque (crédit, fraude,...) et bonne connaissance des données de crédit traditionnelles. - Maîtrise des bibliothèques et frameworks de machine learning. - Expérience en preprocessing et en feature engineering sur des données structurées et non structurées. - Expérience de la conception d'expériences et de l'interprétation de leurs résultats. - Expérience du déploiement et de l'industrialisation de modèles de bout en bout. - Familiarité avec les plateformes cloud (GCP, AWS, …). - Maîtrise des outils de visualisation de données. - Expérience pratique avec Git / systèmes de gestion de versions. Benefits - Un impact réel et mesurable sur l'accès aux services financiers. - Un fort niveau d'ownership avec autonomie sur vos sujets. - Un environnement complexe et en forte croissance. - Des standards élevés, sans politique. - Des opportunités d'évolution réelles. - Diversité, inclusion et égalité des chances.

Data Scientist Location: Remote, United States Job Description: Requisition number: 2362665 Job category: Technology Primary location: Minnetonka, MN Overtime status: Exempt Travel: No Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. This role is a senior, hands‑on AI/ML engineering position focused on building, enhancing, and integrating Machine Learning and Generative AI solutions within Databricks. Working in office if based in MSP or DC Primary Responsibilities: - Designing and implementing ML models - Creating custom embeddings - Building RAG pipelines - Implementing vector databases - Developing agentic workflows with LangChain - Integrating AI into enterprise applications for Claims Payment Integrity (PI) - The role partners closely with Data Scientists, Product Teams, and Platform Teams to deploy AI-driven intelligence across PI use cases - Contribute to experimentation with novel ML and Generative AI architectures - Create and maintain embedding models (domain-specific embeddings, document/text embeddings) - Support Retrieval‑Augmented Generation (RAG) solutions, including semantic search, vector databases, and LLM integration - Help design and implement AI‑powered enterprise applications - Analyze large datasets to identify trends, patterns, and actionable insights - Partner with AI/ML Engineers and Leads to enhance existing models and improve model accuracy and performance - Optimize AI pipelines for scalability, performance, reliability, and cost efficiency - Integrate AI/ML solutions into enterprise systems by partnering closely with data engineering, product, and platform teams - Collaborate effectively with cross-functional teams and stakeholders, communicating complex technical concepts clearly - Contribute to skill development for engineers and interns in AI/LLM techniques - Comply with company policies, procedures, and directives You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: - Bachelor's/Master's in CS, Engineering, Mathematics/Statistics, or related - 5+ years of experience as a Data Scientist - 5+ years of relevant experience, including strong ML end to end model development (data prep → feature creation → training → evaluation) - 5+ years of experience with Python, Scala, SQL - 3+ years of Databricks, Spark - 2+ years of experience with LLM & GenAI Skills: - Creating custom embedding models - Building RAG pipelines - Vector DBs & semantic search - Using LangChain for agentic workflows (tools, agents, memory) - Experience with OpenAI/Azure OpenAI APIs - Experience with Azure cloud for compute, security, and resource management - CI/CD familiarity using Git, GitHub Actions/Jenkins, Terraform - Excellent communication and partnership skills - Experience with Actuarial, Risk and Forecasting Models Preferred Qualifications: - Experience with healthcare claims data - Experience with Azure, Databricks, Snowflake, LLMs and/or similar tools - Demonstrated problem-solving, and analytical thinking skills - Demonstrated organizational skills with ability to be flexible and work with ambiguity Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 to $193,200 annually based on full-time employment. We comply with all minimum wage laws as applicable. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

Principal Data Scientist - Strategic Insights at UnitedHealth Group Requisition number: 2365934 Job category: Business & Data Analytics Primary location: Eden Prairie, MN Overtime status: Exempt Travel: No Job Description: Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best.Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale.Join us to start Caring. Connecting. Growing together. Quality at UnitedHealth Group means striving for excellence in everything we doin order tohelp us achieve our Mission. Simply put,it'sinour DNA and whywe'rein business - to help people.Our Mission serves as ourwhy;ourValuesunite us aroundhow we willachieve it. Because when we follow our Mission and live our Values, we deliver Quality. UnitedHealth Group is seeking a Principal Data Scientist to join our Strategic Insights team. This role reports to the Director of Data Science and is responsible for shaping and advancing enterprise-level analytics that connect customer experience, brand, and business performance outcomes. This position will lead the development of scalable analytical frameworks aligned to the Enterprise Performance Management (EPM) system, enabling measurement of leading indicators, experience metrics, and business outcomes across key value chains. The role will apply advanced statistical and AI-driven approaches to identify drivers of performance, quantify impact across quartiles, and translate complex data into actionable insights that inform executive decision-making. As a senior individual contributor, this role will operate with a high degree of autonomy, influencing senior leadership and cross-functional stakeholders to drive customer-centric strategies, growth, and long-term value creation. If you live near Eden Prairie, MN, you will enjoy the flexibility of a hybrid-remote role as you take on some tough challenges. Primary Responsibilities: - Lead enterprise analytics that connect customer experience (e.g., NPS, CAHPS), brand perception, and business performance, enabling a unified view of drivers across the EPM system - Apply and guide the use of advanced statistical and analytical methods (e.g., regression, segmentation, predictive modeling, correlation analysis) to uncover key drivers, relationships, and trends across complex datasets - Translate complex analytical outputs into clear, compelling narratives that influence business decisions and elevate the role of data-driven insights across stakeholders - Drive the development and standardization of analytical frameworks, approaches, and reusable methodologies to ensure consistency, scalability, and quality across insights work - Integrate multiple data sources (e.g., experience measurement, brand, market, and operational data) to enable connected analytics and more holistic understanding of customer and business performance - Support the application of AI-driven approaches (including synthetic data, simulation, and AI-assisted analytics) to enhance the depth, speed, and flexibility of insights generation - Evaluate and partner with external vendors and internal stakeholders to assess AI-enabled capabilities, tools, and data science solutions, ensuring alignment with business needs and research rigor - Lead experimentation and proof-of-concept efforts to test AI-driven analytical approaches, applying a structured "build, validate, scale" mindset to determine business value - Develop and promote best practices for integrating AI into analytics workflows, ensuring output remains interpretable, reliable, and aligned with established research and governance standards - Contribute to the evolution of scalable analytics capabilities by identifying opportunities to embed automation, standardization, and AI-assisted processes into recurring workflows You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear directions on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: Before applying, please ensure each of these experiences are stated clearly on your resume under each applicable employer entry. - 8+ years of experience in data science, advanced analytics, or applied statistical modeling - 8+ years of experience in quantitative methods such as regression, segmentation, predictive modeling, and multivariate analysis - Experience developing analytical frameworks, reusable methodologies, or standardized approaches that improve scalability and consistency - Experience applying AI/ML techniques to business problems, including experimentation with synthetic data, simulation, or AI-assisted analytics workflows - Advanced level of proficiency with Microsoft Suite, including Excel and PowerPoint - Proficiency in tools such as Python, SQL, or R, and experience with data visualization and reporting tools - Demonstrated ability to work with large, complex datasets and integrate multiple data sources for advanced analytics - Demonstrated ability to simplify complex data into clear, actionable insights and compelling, executive-ready narratives Preferred Qualifications: - Experience in customer experience, market research, or insights analytics (e.g., NPS, CAHPS, brand measurement) - Experience evaluating or working with external data science or AI vendors, tools, or platforms - Familiarity with integrating analytics into broader business strategies, including growth, retention, and customer experience optimization - Healthcare industry experience Soft Skills: - Strong problem-solving skills with the ability to navigate ambiguity and structure analytical approaches effectively - Exceptional at proactively building and strengthening relationships across teams and functions to drive alignment, collaboration, and business impact - Effective communication skills, including the ability to explain technical concepts to non-technical audiences - Experience working across teams and functions to solve complex business problems and influence decision-making *All Telecommuters will be required to adhere to UnitedHealth Group's Telecommuter Policy. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 to $193,200 annually based on full-time employment. We comply with all minimum wage laws as applicable. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location, and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups, and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment. #RPO #YELLOW

Role Description - Develop and maintain models used in balance sheet forecasting. - Use data mining, segmentation analysis, and market analysis to analyze portfolio characteristics and customer behavior. - Monitor model performance and communicate analytical findings and insights to internal stakeholders through comprehensive reporting. - Propose model changes, including overlays, recalibration, redevelopment, tuning, sensitivity testing, CCAR, back testing, and fundamental driver analyses. - Perform analysis of models that affect ALM models and behavior, including mortgage and MSR (mortgage servicing rights) prepayment, deposit balance and yield, and interest rate and term structure models. - Collaborate with Model Risk Management & Validation, Market Risk Management, and other teams to facilitate periodic model validations and reviews. - Propose improved approaches to loan and deposit modeling. - Assist in developing forward-looking macroeconomic and interest rate views while collaborating with Treasury for balance sheet management. - Provide analytical support to management in developing strategies for balance sheet and liquidity decisions. - Utilize QRM and BlackRock (Aladdin system) for mortgage modeling and risk analysis. - Support initiatives including balance sheet optimization, funds transfer pricing, mortgage servicing rights, and CCAR/DFAST. Qualifications - Bachelor’s degree in Statistics, Data Science, or closely related STEM field. - Designing and implementing robust data pipelines to provision data from various sources, ensuring timely and accurate data availability for analytics and reporting. - Leveraging Python, including NumPy, Pandas, Matplotlib, Dask, and Scikit-learn libraries, and SQL to process, clean, and prepare data for models and business reports. - Using R and SQL to analyze, query, and validate data across relational databases, ensuring data quality meets business requirements. - Managing real-time data integration and provisioning using Apache Kafka to enable seamless data flow for business-critical applications. - Developing and maintaining data solutions on big data platforms including Apache Spark, PySpark, and Hadoop, processing large-scale datasets to meet business needs. - Implementing cloud-based data solutions using AWS Redshift to enable scalable data storage and high-performance querying for business intelligence. - Designing and optimizing relational databases to store, retrieve, and provision structured data in accordance with business and analytics requirements. - Utilizing Tableau and PowerBI to create customized reports and visualizations. - Applying data mining techniques (including clustering and association) to discover trends, patterns, and anomalies in data, supporting business teams with actionable insights. - Conducting statistical analysis and using methods such as A/B testing and regression analysis to validate and support key business initiatives. - Ensuring smooth collaboration using Git for version control and GitHub for tracking code changes in data provisioning workflows. - Performing data profiling tasks to ensure data from various sources is accurate, clean, and aligned with business objectives before provisioning to analytical environments. - Maintaining continuous data provisioning using DBeaver for database interaction, enabling seamless integration with relational databases for data support. - Leveraging SAS to automate the provisioning of datasets, ensuring data is pre-processed and ready for analysis or modeling. - Leveraging BlackRock Aladdin and QRM for quantitative modeling, risk analysis, and financial forecasting, integrating results with Python-based workflows. Requirements - May telecommute from any U.S. location. - Salary Range: $125,000 - $135,000. - Worksite: 28 State Street, Boston, Massachusetts 02109 United States, 40 hrs/wk. Benefits - For summary of benefits and to apply visit our website at https://jobs.citizensbank.com (Job ID: 47745) or email resume and cover letter to Recruiting@Citizensbank.com with subject line: 47745.