Data / ML / AI Engineer

Defacto
Defacto

Software Engineering, Data Science

Posted on Aug 5, 2026

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About Defacto

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What’s in it for you

  • Do things you’ve never done before
  • Build the best customer experience for end-users
  • Real ownership of role and company

    • About the role

    We are looking for a senior Data / ML / AI Engineer to help shape and scale Defacto’s core product: real-time underwriting.

    Defacto specializes in making credit decisions in seconds, not days. Our models and data systems must reliably decide whether to lend up to €200k in real time, directly embedded within our partners’ products. This puts data mastery at the heart of our value proposition: traceability, latency, auditability, and reliability are not “nice to have” — they are everything.

    In this role, you will work closely with Marco (CTO) & Matteo in the Risk team, at the intersection of product, data, and decisioning. Your responsibility is not only to build models, but to design end-to-end decision flows that can be explained, monitored, audited, and trusted — by partners, regulators, and internal teams.

    How you’ll make an impact ?

    A recurring question that we got is “what does a successful onboarding looks like ?”

    In a nutshell, here are our expectations

  • 1st month : get familiarize with Lending. Almost no-one has ever worked in a lending company. Our challenge is quite unique because growth can kill you and we’re a regulated entity. You will still contribute to the first tasks
  • 2nd/3rd month : ramp-up to an ongoing project in binom
  • 3-6month : be the tech lead of a new project

    • What we’d love to see

  • Business first mindset : you’re here to solve business need, not tech need
  • Over 5 years of experience in Data Management (pipeline, model hosting, ETL, …)
  • Over 7 years of experience with Python
  • Experience building 3rd party API and its maintenance for data enrichment
  • Good mix of first principle thinking and operational excellence
  • Any experience with risk assessment (insurance, finance, banking, credit, ...) is big plus
    • See more open positions at Defacto