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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.
A recurring question that we got is “what does a successful onboarding looks like ?”
In a nutshell, here are our expectations