Do you want to play an active role in driving a company’s growth and turning big plans into reality? Then join our team! You can look forward to exciting challenges, an inspiring environment, and a work culture that combines flexibility and collaboration – with our 60/40 hybrid model and modern offices in Ratingen as a hub for ideas. As part of our team, you will take on the following responsibilities: You take full responsibility for data-driven analyses and independently derive actionable recommendations to maximize business value. You develop and apply advanced statistical methods such as regression models, time series analyses, and ML/AI algorithms while closely collaborating with stakeholders and management; you translate analytical results into clear, compelling business insights. You design and maintain robust end-to-end ML pipelines (data, features, models, scoring), including testing, versioning, documentation, and establishing MLOps standards such as CI/CD, model registry, monitoring, data‑quality checks, and incident handling. With a focus on Credit Risk Management, you own the SmartRisk Engine (feature strategy, training/retraining, calibration, backtesting, drift monitoring, and model explainability via SHAP/Reason Codes) and implement data-driven use cases such as loss databases, early‑warning systems, limit/exposure steering, clustering, and portfolio insights. You develop new cloud-based Data Science solutions—primarily in Python and SQL—to drive measurable business value; ideally, you bring knowledge in credit risk (e.g., PD, EAD, LGD, rating, IFRS 9/ECL) and experience with SAP and Power BI. You mentor and guide other Data Scientists, encourage innovative thinking, share updates on data ML advancements, and actively support the professional growth of the team.