Tasks
Automate & Scale: Design, develop, and deploy predictive credit scoring models (PD, LGD, EAD) to transition our underwriting from manual processes to a fully automated decisioning engine.
Dual-Marketplace Logic: Build distinct risk frameworks that cater to the unique profiles of both our B2B installer partners and B2C homeowners.
Policy Structuring: Work closely with the Head of Risk to translate complex credit policies into functional code and algorithmic logic.
Data-Driven Insights: Analyze portfolio performance to identify trends, stress-test our assumptions, and continuously refine our risk appetite.Strategic Growth: Balance risk mitigation with company growth by identifying "smart" ways to expand our lending footprint without compromising financial stability.
Your profile
The Expertise: You have 3+ years of experience in Credit Risk modeling or Data Science within the FinTech or Banking sector.
The Toolkit: Expert-level proficiency in Python (Pandas, Scikit-learn, XGBoost) and SQL. Experience with credit bureau data (e.g., SCHUFA) is a major plus.
Analytical Rigor: You have a strong background in Statistics, Mathematics, or a related quantitative field. You understand that behind every data point is a financial commitment.
Startup Mindset: You are comfortable with ambiguity and excited by the prospect of building something from the ground up rather than just maintaining legacy systemsMission-Aligned: You are passionate about the energy transition and want to use your technical skills to fight climate change.
About us
You don’t want an ordinary job. You want to build something that truly matters. Be part of shaping it from day one, move fast and feel your impact. In a startup that doesn’t ask if something is possible – but how fast. Then you’ve come to the right place!
At Bees & Bears, we’re a Climate FinTech on a mission to unlock capital for the energy transition. We believe finance is the key to accelerating the shift toward a sustainable future. The challenge ahead is massive: by 2050, the world needs to invest €150 trillion (!) to reach climate neutrality. 65% of this investment will need to be financed through loans.
Our mission is to channel capital into the sustainable economy — to accelerate the transition and make the world greener.
What we do:
We work closely with installers of climate hardware such as solar systems, energy storage, and heat pumps — enabling their customers to finance installations easily through monthly installments. Our platform provides the technical and financial foundation to make this happen. In doing so, we’re actively accelerating the energy transition — for households, for our partners, and for the planet.
We’ve recently secured €500 million in funding commitments to green 25,000 households over the next two years. Prior to that, we raised two funding rounds backed by several renowned VCs — and we’ve been growing rapidly ever since.
