Senior Data Scientist - Credit Risk Modeling

Are you a Senior Data Scientist who loves financial products but finds the traditional industry moving too slow? Then come help us revolutionize the way we view business financing.

Your role

We’ve built a platform that turns business financing from a slow, manual process into a one-second decision. Now we’re looking for someone to make it even smarter. As a Data Scientist at BridgeFund, you’ll help shape the logic that decides how millions in business funding flow through our system. You’ll work end-to-end: designing, training, and deploying models that predict risk, assess creditworthiness, and guide portfolio performance. You’ll turn raw data into clear, actionable insight: the kind that changes how we lend, price, and grow. You’ll be part of a compact, high-impact team of data scientists, engineers, and analysts who are driven by rapid prototyping and continuous deployment. We test fast, ship often, and only celebrate what works in production. We’re far from done, and that’s exactly how we like it.

Responsibilities

• Build next-generation steering models combining PD, LGD, and behavioral data to drive profitable commercial growth.Analyze drivers of risk and performance and translate these insights into smarter acceptance, pricing and portfolio strategies. 

• Design and validate features that make models more robust and explainable

• Partner with engineers to bring models into production and keep them running smoothly

• Use smart decisioning and predictive models to accelerate loan approvals and identify high-potential customers.

• Develop early-warning signals, stress-testing frameworks, and proactive risk intervention mechanisms for existing portfolios.

• Champion model explainability by translating complex machine learning outputs into transparent, interpretable, and actionable decisions for leadership across Engineering, Analytics, and Data Modeling.

• Stay sharp on trends, and new modelling techniques

• As a senior you will, coach junior team members and help the team grow

What you bring

• Senior experience as a Data Scientist or Credit Risk Modeller in a bank, fintech or lending company.

• Proven experience building and owning credit risk models (e.g. PD, LGD, loan capacity, portfolio models).

• Hands-on experience driving the entire model development lifecycle, from initial data exploration and training all the way through to production deployment.

• Strong skills in Python and SQL.

• Experience taking models from data to production and embedding them in real credit decisions (acceptance, pricing, credit limits).

• Strong understanding of lending portfolios and the growth vs risk trade-off, with experience contributing to risk appetite & portfolio steering.

• Comfortable working with engineers, analysts and risk stakeholders in a cross-functional environment.

• Business-driven: able to link models and analyses to approval rate, losses, margin and portfolio performance.

• Structured, proactive and able to take ownership in a fast-growing scale-up environment.

Who we are

While small businesses drive the economy, when it comes to financing, traditional systems still move at the speed of paper. We founded BridgeFund in 2018 to change that. We've stripped away the bureaucracy: an entrepreneur applies in just five minutes, and our advanced technology processes the data quickly and efficiently. By combining cutting-edge automation with real human logic, we make financing decisions that are both fast and fair. We grew 55% last year and have proudly fast-tracked over €700 million in loans to entrepreneurs. Our next goal? To scale our data capabilities by making our platform even sharper, ensuring support for the next generation of entrepreneurs

What we offer

A competitive salary between €7,605 and €8,670 based on 40 hours per week. Growth is intentional here. We use an internal competency framework to help you track your progress and continuously evolve in your role.

• 6% pension via ASR Doen Pensioen

• 25 paid vacation days and 8% holiday allowance

• Two weeks per year of remote work from abroad

• Travel allowance of €0.23 per kilometer (even if you cycle)

• €40 Alleo budget per month for things like TrainMore, Uber, or a day out

• BridgeFund Academy for personal growth, learning, and coaching

• Annual Learning & Development budget of €1,500 for your professional growth

• Modern workspace with a MacBook, open areas, quiet zones, and zero ceiling tiles

• Bridge Day: one extra day off for something that matters to you

• Company boat The Royal Ted for team events or private use

• Sports activities such as boxing classes and a running club

• 50% paid lunches

• Free snacks: healthy and not-so-healthy

• Friday drinks, quarterly parties, and team outings

• BridgeFun(d) bar with DJ booth, stage, and karaoke

Curious?

Good. That’s usually how the best data scientists start here at BridgeFund. Apply directly or reach out to recruitment@bridgefund.nl. We can’t wait to hear what you're all about!