Summary
Location
Paris
Type
internship
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About this role
Algoan is a Fintech founded in 2018 that transforms the way credit decisions are made through its scoring and budget analysis solutions based on Open Banking. Our API-based products enable financial institutions to optimize their decision-making processes by analyzing the banking data of loan applicants.
As a European leader in this field, we collaborate with major players (Sofinco, Cofidis, Revolut, etc.) to enhance user experience and acceptance rates while reducing the risk of over-indebtedness across various use cases (installment payments, consumer credit, car financing, etc.). Algoan strives to make credit more accessible to a broader audience, with security and compliance at the heart of its priorities.
Key figures:
- We are a team of 30 people.
- We have raised over €10 million.
- Our API is available in 6 European countries.
- We are ISO 27001 certified and regulated by the ACPR.
- Our data stack: Our core technologies include MongoDB, DataFlow, BigQuery, dbt, Python, and git.
Tasks
We are looking for a motivated and talented Data Science Intern to review performance and improve our models. This internship is a unique opportunity to work on a high-impact project at the core of our product offering, in a fast-paced and innovative environment. Under the supervision of a Senior Data Scientist, you will:
- Explore, preprocess, and enrich Open Banking datasets to extract meaningful features.
- Benchmark model performance with respect to existing models, and business objectives such as acceptance and default rates on our different portfolios.
- Identify and mitigate biases, ensure model robustness and regulatory compliance.
- Present findings and results internally and possibly to clients.
- Collaborate with Product and Tech teams to improve the models.
Requirements
- Currently enrolled in a Master’s degree in Data Science, Applied Mathematics, or similar.
- Solid knowledge in statistical modeling and machine learning algorithms.
- Strong analytical skills, autonomy, and problem-solving mindset.
- Solid Python skills (pandas, scikit-learn, Jupyter, etc.).
- Interest in fintech and responsible credit scoring.
- Experience with scoring models development is a strong plus.
Benefits
- A hands-on project with real impact on the product and our clients.
- A collaborative, data-driven team environment.
- Mentorship from experienced Data Scientists.
- A chance to discover the inner workings of a product-focused, API-first fintech startup.
Other facts
About Algoan
Algoan is a fintech revolutionising the credit sector by building fairer and more transparent credit decisioning tools.
Europe’s leader in Credit Scoring API, it provides financial institutions, retailers and fintech with credit decisioning tools that can be used in a variety of use cases such as BNPL, consumer credit, car subscription, mortgage and much more.
Based on Open Banking (the secure sharing of bank account data), Algoan solutions enable a cut of credit risk by up to 50% and an increase in loan production by up to 40% while lowering processing costs, and offering a seamless 100% digital pathway to credit applicants.
What you'll do
- The intern will explore, preprocess, and enrich Open Banking datasets to extract meaningful features while benchmarking model performance against existing models and business objectives like acceptance and default rates. Responsibilities also include identifying and mitigating biases, ensuring model robustness, presenting findings, and collaborating with Product and Tech teams to improve the models.
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