About the role

We are seeking a Senior Data Scientist with a keen interest in the fintech or e-commerce environment, who is driven to grow and make a difference. You will be working in our Data Science & Fraud team, disrupting the B2B trade credit industry with real-time credit and fraud risk assessments outperforming incumbent data providers. 

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At its core, our business is about helping B2B merchants to sell to as many customers as possible, while avoiding fraudulent transactions and uncreditworthy buyers. We do this by developing proprietary algorithms as a competitive advantage.

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Location

We would like you to work from our office in London, Paris or Vilnius two days per week, joining our team of dedicated professionals and making your mark on the world of B2B e-commerce.

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About Hokodo

We’re an international and diverse team, based in London, Vilnius and Paris, working to modernise B2B payments.

• Our Digital Trade Credit solution enables merchants to offer credit terms to their business customers instantly, resulting in a 40% average increase in revenue for integrated merchants.
• We are scaling rapidly across Western Europe, with a list of stellar clients and have raised a total of over $50 million to support our mission.
• Join us in our efforts, as we have already made good progress with 50,000+ businesses regularly using Hokodo, but need your support to take us to the next level!

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What you’ll be doing - If you get excited by the following, this is the role for you. 

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You will be working alongside the Tech, Operations, Credit, and Fraud teams to build machine learning models that optimise our risk strategy, allowing us to deliver the most affordable product to our customers. As part of the Data Science team, you will be taking part in missions such as:

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• Developing our pricing and risk underwriting algorithms for product launch, built off large population-level datasets as well as proprietary behavioural and repayment data
• Developing LLM proof of concepts and pilots in supporting risk decisions or the wider business
• Integrating external data sources for the purpose of obtaining training data, and for use in production scoring
• Monitoring the performance of our models, identifying potential data drifts, technical issues and refreshing existing models
• Developing early insights as historical datasets grow - for example, through the application of machine learning to credit default prediction
• Owning the development of our internal tooling and ML Ops practices, including monitoring, pipeline versioning, reproducibility, packaging and deployment
• Conducting research to understand the predictive power of alternative data sources such as Opencorporates; Sanctions databases; or external providers of sentiment analysis

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Our tech stack

• Python and its scientific ecosystem (pandas, numpy, scikit-learn)
• Redshift, DBT and AWS DMS for our data warehouse
• Django REST framework
• PostgreSQL for the database
• AWS for the infrastructure

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Who we’re looking for - At Hokodo, we prioritise hiring individuals who share our mission and values, and possess the right attitudes and behaviours for success. While some of the listed requirements may be important, don't worry if you don't meet all of them, we’d still like to hear from you. 

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In light of these responsibilities, we’re looking for a candidate who has:

• Significant experience in applying data science and machine learning techniques to large data sets (from proof of concept to production)
• Strong quantitative analytical skills and programming experience in Python, in particular its scientific stack (pandas, scikit-learn) and related Data Science tooling such as DVC
• Good verbal and written communication skills, able to articulate complex technical challenges to non technical audience - English is a must have, other European languages could prove useful as well 
• Comfortable in a fast-paced and tech driven startup environment where change is constant
• Organised and methodical with the ability to multi-task and take initiative
• Can-do and positive attitude, curious, creative and on the lookout for new ideas and methods

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Nice to have

• Experience in Fintech or payment industry

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Interview Process

• Intro, company fit and run through career history with the Talent team - 15-30 minutes - Video Call 
• Take Home Case Study
• Case Study Review - 1 hour with team members - 60 minutes - Video Call or in person
• Competency and team fit interview with the Hiring Manager - 60 minutes - Video Call or in person
• Meet the team and Co Founder - Circa 90 minutes - Video Call or in person

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What’s in it for you?

We’re offering the chance to really make a difference to Hokodo and the wider B2B payments and e-commerce industry. The opportunity for personal growth in a fast-moving startup is massive. Your opinion and feedback will be heard and valued. You'll feel a part of a very special team.

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We offer a competitive salary and benefits package.

📈 Share Options

🏖️ Holiday entitlement : 25 days + bank holidays

🎓 Annual Learning and Development budget

✈️ Globetrotter travel policy: Spend up to 60 days abroad each calendar year

🏥 Health Insurance

🫂 Taking well being seriously: Access to qualified therapist, confidentially via video or chat through Spill

👶 Enhanced Parental Leave

🌴 Yearly offsites and other company socials: Previously, we have been to Malta & Majorca, as well as regular meetups in London and Paris. 

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🧓 Pension: (we know this is not really a benefit - but we get asked a lot about pension contributions) Employer contribution of 3% and individual contribution of 5% based on qualified earnings.

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Our values

Hokodo is more than a place to work. We're passionate about making our industry better and aren't afraid of the competition. We pride ourselves on our culture of down to earth employees who are always willing to go the extra mile to help each other out!

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• Own the Outcome - We’re committed to our tasks, and take pride in the outcome. It’s never “not my job”. We are bold, we are brave, and we embrace change in all its forms. 
• Trust and Build Trust - We are committed to earning and fostering trust through honest communication and deliberate actions. We support our team and value each other’s time, input, and take local decisions where possible. 
• Never Be Satisfied - We challenge the norms and act boldly, even if it means failing. We are reflective, always learn from our mistakes, and continuously seek feedback and ways to improve. When something’s not quite right, we crave to fix it. We’re open to being challenged, and challenge others openly. 
• No Passion, No Point - We bring passion and energy to everything we do. We get a lot done, and we have a good time doing it. We take every opportunity to celebrate our hard work, our wins - and some of our failures too! 
• Be Genuine (No BS) - We are truthful and honest in our actions. We embrace and respect our individuality and encourage people to speak their mind. We are transparent and committed to doing what’s best for each other, our customers and our company. Put simply, we care. 

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Don’t tick all of the boxes? Neither do we.

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We are driven by hiring not only by experience and relevance for the role but also our mission and values, and possess the right attitudes and behaviours for success. We celebrate anything ‘outside of the box’, so if you don’t meet all of the listed tickbox criteria, please do still apply as we’d love to hear from you.

The diversity of our team reflects the diversity of our community and customers. We not only welcome but celebrate diverse communities. We feel we have an empowering environment where everyone is supported and respected, and we want you to feel this too. We welcome new ideas, thinking and approaches and listen intently, and we are strongly committed to learning and improving on this as we grow.