Data Scientist – Business Lending (Decision Science)

You & your role

As a Data Scientist Business Lending (Decision science) you design, validate, embed and maintain robust models that determine how business loan applications are assessed, scored, and approved. In this role you focus on decision science, risk modelling and customer acceptance.

Every day, entrepreneurs make crucial financial decisions — and you help make that possible. Your work directly supports a robust, fair, and future‑proof credit value chain for thousands of companies in the Netherlands.

This is what we offer you

• Extras: a thirteenth month, 8% holiday allowance, and a 10% Employee Benefit Budget.
• Development budget: EUR 1,400 development budget per year for your growth and development.
• Hybrid working: a balance between home and office work (possible for most roles).
• Pension: decide for yourself the amount of your personal contribution.

Examples from practice

• Build and validate an SME credit acceptance model in Python to improve approval quality while maintaining explainability.
• Implement model monitoring and documentation to safeguard performance and compliance across multiple source systems.
• Collaborate with Risk and IT to embed decisioning models into loan origination, reducing manual steps through automation.

Top 3 responsibilities

• Design, build, and validate statistical and machine learning models for business processes and credit decisioning, safeguarding model quality through monitoring, documentation and explainability.
• Gather and analyze data from multiple source systems and translate insights into model enhancements; contribute to innovations such as alternative data use, new model architectures, and automation of decisioning processes.
• Collaborate closely with Risk, business stakeholders, IT, and policy teams to embed models effectively in the decision making process, and act as a sparring partner for colleagues across Data Science, Credit Risk, and the business lending chain.

Together we achieve more than alone

We are very curious about what you can bring to our team at Area Data & Modelling within Tribe Business Lending. The Area Data & Modelling is responsible for data solutions that support business lending journeys.

You & your talent

• 5+ years of experience as a Data Scientist or Decision Scientist.
• Proven experience with decisioning, credit risk, scoring, or acceptance models, preferably in business lending.
• Strong proficiency in Python, SQL, and relevant frameworks (e.g., scikitlearn, XGBoost, MLflow).
• Deep knowledge of statistics, machine learning, and model validation.
• Experience working in a regulatory environment (e.g., ECB/ESRB expectations, model risk management) is a plus.
• Ability to explain complex analyses to both technical and nontechnical audiences.
• A proactive mindset and enjoyment of working in multidisciplinary teams.