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Data / ML / AI Engineer

Defacto

Location TBDJobPosted 1mo agoStill listed 4 days ago

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At a glance

Compensation
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Location
Location TBD
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Job overview

Defacto is hiring a Data / ML / AI Engineer. Defacto is seeking a senior Data / ML / AI Engineer to shape and scale its real‑time underwriting product, focusing on data mastery, traceability, latency, auditability and reliability while collaborating closely with the CTO and risk team.

Key focus areas include Design end‑to‑end decision flows that are explainable, monitored, audited and trusted, Build and maintain models for real‑time credit underwriting, and Collaborate with product, data and decisioning teams to align technical solutions with business needs.

Important skills include Data Management, API Development, Risk Analysis, Operational Excellence, ETL, and Python. Preferred (not required): Risk Assessment.

Skills & qualifications

RequiredNice to have

Skills

Data ManagementAPI DevelopmentRisk AnalysisOperational ExcellenceETLPythonBuilding 3rd Party APIAPI MaintenanceData EnrichmentBusiness First MindsetFirst Principle ThinkingRisk Assessment

Qualifications

5+ Years Data Management Experience7+ Years Python Experience

Full job description

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About Defacto Untitled

What’s in it for you

  • Do things you’ve never done before
  • Build the best customer experience for end-users
  • Real ownership of role and company About the role We are looking for a senior Data / ML / AI Engineer to help shape and scale Defacto’s core product: real-time underwriting.

Defacto specializes in making credit decisions in seconds, not days. Our models and data systems must reliably decide whether to lend up to €200k in real time, directly embedded within our partners’ products. This puts data mastery at the heart of our value proposition: traceability, latency, auditability, and reliability are not “nice to have” — they are everything.

In this role, you will work closely with Marco (CTO) & Matteo in the Risk team, at the intersection of product, data, and decisioning. Your responsibility is not only to build models, but to design end-to-end decision flows that can be explained, monitored, audited, and trusted — by partners, regulators, and internal teams.

How you’ll make an impact ? A recurring question that we got is “what does a successful onboarding looks like ?”

In a nutshell, here are our expectations

  • 1st month : get familiarize with Lending. Almost no-one has ever worked in a lending company. Our challenge is quite unique because growth can kill you and we’re a regulated entity. You will still contribute to the first tasks
  • 2nd/3rd month : ramp-up to an ongoing project in binom
  • 3-6month : be the tech lead of a new project What we’d love to see
  • Business first mindset : you’re here to solve business need, not tech need
  • Over 5 years of experience in Data Management (pipeline, model hosting, ETL, …)
  • Over 7 years of experience with Python
  • Experience building 3rd party API and its maintenance for data enrichment
  • Good mix of first principle thinking and operational excellence
  • Any experience with risk assessment (insurance, finance, banking, credit, ...) is big plus

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