Data Scientist (w/m/d)

We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We are to create a new standard for business payments and have made it our mission to simplify the purchasing experience for all businesses making it a tool for growth. Our solutions are based on proprietary, machine-learning-supported risk models, fully digitized processes and a highly scalable tech platform. This makes us a deep-tech company building financial products, not the other way around. We love building simple and elegant solutions and we strive for automation and scalability.

At Billie, data is at the heart of every decision. We're a fast-growing fintech company revolutionising B2B payments, and our Decision Science team plays a crucial role in driving our success. We're looking for a Data Scientist with a strong business mindset—someone who thrives on ownership, enjoys solving complex challenges, and is passionate about making a meaningful impact. If you're a data-driven problem solver eager to learn and grow, this role could be the perfect opportunity for you.

About the role:

As a Data Scientist at Billie, you'll play a key role in tackling complex business challenges related to credit risk and fraud mitigation while directly influencing our portfolio's performance. You'll dive deep into data to uncover meaningful insights, shaping our strategies and driving growth. This role goes beyond building models—it's about understanding the "why" behind the data and translating your findings into actionable recommendations that resonate across teams, from product and engineering to leadership.

What You’ll Do

• Apply statistical methods and machine learning to analyse complex datasets, identifying fraud and credit risk patterns while uncovering opportunities to improve existing systems.
• Design and execute experiments (including A/B testing) to validate hypotheses and measure the impact of data-driven strategies.
• Develop and implement machine learning models to predict and mitigate fraud and credit risk.
• Work closely with engineers, product managers, and business leaders to translate insights into concrete actions that improve our business outcomes.
• Clearly communicate findings to both technical and non-technical audiences, ensuring data-driven insights influence key business decisions.
• Continuously explore new data sources, tools, and approaches to enhance risk management strategies.
• Take ownership of projects from problem definition to solution implementation, collaborating across teams to deliver impactful solutions.

Who we are looking for:

What we offer:

• Challenging and impactful work that drives personal and professional growth
• One of the best Virtual Shares Incentive Programs in the market, so that everyone at Billie is invested in our success
• Flexible work hours and trust in your ability to deliver, empowering you to take control of your work-life balance
• A hybrid working approach that allows you to work from home for up to 3 days per week
• Enjoy 30 days vacation per year on top of paid public holidays, sabbatical opportunities, and extra child sickness leave for parents
• Our "Catch a Ride with Billie” program that enables discounted access to Berlin Public Transport (BVG), Deutschland-Ticket, OR JobRad
• A yearly development budget to broaden your skill set and horizons
• Free German group classes
• An English-speaking, multicultural team with more than 40 nationalities represented
• Building meaningful connections with your colleagues through company and team events, interest groups, game nights, and more, powered by our Formula Fun Team!

Billie offers you the opportunity to be a part of one of the fastest-growing Fintech startups in Europe following the mission to innovate to create new freedom for businesses of all sizes. Our combined decades of experience in B2B Financing and Payments in a market thirsty for innovation and change make this a fantastic possibility to get into the most dynamic space in tech.

Join an international team of talented, passionate people where drive and merit matter. We work in nimble, cross-functional teams with open communication lines across the company. You’ll be surrounded by smart people from a wide variety of backgrounds from which you can learn and that want to learn from you.

Are you ready to join Billie?

Billie is proud to be an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment in our workplace. By embracing talents and abilities of all kinds, we aim to boost motivation and team creativity. We do not discriminate on the basis of race, religion, national origin, age, marital status, gender, political views, beliefs, sexual orientation, color, disability status, or any other demographic factors.

PLEASE NOTE:
Our policy includes a 180-day waiting period before reconsidering candidates for the same role. This ensures a fair and thorough evaluation of all applicants. If you apply within this cool-off period, your application will be automatically rejected.

Thank you for your understanding.