Data Scientist, Risk

About Tabby | تابي

Tabby creates financial freedom by reshaping how people shop, earn, and save. Over 15 million users trust Tabby to manage their spending and optimize their money. Our flagship offering allows shoppers to split payments online and in-store without interest or fees. More than 40,000 global brands and small businesses, including Amazon, Noon, IKEA, and SHEIN, leverage Tabby to accelerate growth and foster customer loyalty through flexible payment options. Tabby generates over $10 billion in annual transaction volume for its partners and is recognized as the highest-rated, most-reviewed, largest, and fastest-growing FinTech in the GCC region. Launched in 2019, Tabby has secured over $1 billion in equity and debt funding, achieving a valuation of $4.5 billion.

Role Overview

We are actively seeking a highly skilled and motivated Data Scientist, Risk to join our Data Science stream within the Risk Department. In this critical role, you will engage in both operational model lifecycle tasks and cutting-edge machine learning initiatives. This includes hybrid modeling, advanced behavioral modeling, and the automation of our ML workflows. You will thrive in a dynamic, fast-paced environment, contributing to projects that directly enhance our risk decisioning capabilities and evolve our future ML stack.

Key Responsibilities

• Design, develop, and maintain robust risk models utilizing advanced machine learning techniques, including hybrid and sequential approaches.
• Regularly retrain, monitor, and validate existing models to ensure timely adaptation to evolving customer behavior patterns.
• Build and manage scalable data marts within BigQuery, essential for supporting sophisticated model development and extensive analytical needs.
• Contribute significantly to the development of internal automation tools, such as AutoML components and streamlined ML workflows.
• Provide crucial data-driven insights through comprehensive ad-hoc analyses, supporting product, credit, and operations teams.
• Actively participate in early research and prototyping of innovative new architectures, including Transformers, foundation-style embeddings, and multimodal models.

What You’ll Bring

• At least 2 years of experience in relevant roles such as Data Scientist, ML Engineer, or Risk Analyst, with a demonstrated history of impactful contributions in credit scoring.
• Proficiency in Python, coupled with extensive experience across key data science and machine learning libraries (e.g., NumPy, Pandas, scikit-learn, CatBoost, XGBoost, LightGBM).
• Strong knowledge of PyTorch, demonstrating the ability to implement and fine-tune complex machine learning models effectively.
• Advanced knowledge of SQL, enabling efficient work with large and complex datasets.
• Proven experience in building and deploying end-to-end machine learning solutions that deliver measurable business impact.
• Hands-on experience with production deployment tools like Airflow and Docker for integrating machine learning models.
• Fluency in English is required.

Nice to Have

• Familiarity with prominent cloud platforms such as AWS, Google Cloud Platform (GCP), or Microsoft Azure for scalable data analysis and model deployment.
• Proficiency in visualization tools like Tableau or Power BI to effectively communicate insights and support strategic decision-making.
• Prior experience working with diverse financial datasets and a solid understanding of risk management principles.

What We Offer

• Full-time B2B contract arrangement.
• Fully remote setup, offering exceptional flexibility.
• Up to 20% tax allowance, enhancing your take-home pay.
• 22 paid leave days annually for rest and rejuvenation.
• Stock options (ESOP) in a rapidly scaling, pre-IPO company.
• Flexible benefits that can be utilized for wellness, travel, or continuous learning.
• Opportunity to work alongside a high-performing, international engineering team within a global fintech unicorn.
• Relocation support available to our hubs in Armenia, Georgia, Serbia, Portugal, and Spain, covering flights, temporary accommodation, and legal setup as needed.

Key skills/competency

• Machine Learning
• Risk Modeling
• Data Analysis
• Python
• SQL
• PyTorch
• BigQuery
• ML Workflows
• Credit Scoring
• Docker