Data Scientist (Risk)

Tabby creates financial freedom in the way people shop, earn and save by reshaping their relationship with money. Over 15 million users choose Tabby to stay in control of their spending and make the most out of their money.

The company’s flagship offering allows shoppers to split their payments online and in-store with no interest or fees. Over 40,000 global brands and small businesses, including Amazon, Noon, IKEA, and SHEIN use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores.

Tabby generates over $10 billion in annual transaction volume for its partner brands and is the highest-rated, most-reviewed, largest, and fastest-growing FinTech in the GCC region.
Tabby launched in 2019 and has since raised +$1 billion in equity and debt funding from global and regional investors, and is now valued at $3.3 billion.

We are seeking a highly skilled and motivated Data Scientist to join our Data Science stream in Risk Department. In this role, you will leverage advanced machine learning techniques and state-of-the-art approaches to drive data-driven decision-making and refine our risk strategies. You’ll work in a dynamic and fast-paced environment, contributing to impactful projects.

Key Responsibilities

• Design, develop, and maintain models using advanced machine learning techniques.
• Regularly monitor and validate existing models to ensure accuracy and relevance in risk assessment.
• Build and manage diverse data marts in BigQuery to support analytical requirements.
• Continuously optimize risk models to improve predictive accuracy and operational efficiency.
• Provide data-driven insights through ad-hoc analyses to inform strategic decisions.

Skills, Knowledge & Expertise

• At least 2 years of experience in roles such as Data Scientist, ML Engineer, or Risk Analyst, with a proven track record of impactful contributions in credit scoring.
• Proficiency in Python and experience with key data science and machine learning libraries (e.g., NumPy, Pandas, scikit-learn, CatBoost, XGBoost, LightGBM).
• Strong knowledge of PyTorch, with the ability to implement and fine-tune complex machine learning models.
• Advanced knowledge of SQL, with the ability to work effectively with large datasets.
• Experience in building and deploying end-to-end machine learning solutions that drive measurable business impact.
• Hands-on experience with tools like Airflow and Docker for deploying machine learning models into production.
• Fluency in English to collaborate effectively with analysts and stakeholders.

Bonus skills

• Familiarity with cloud platforms such as AWS, Google Cloud Platform (GCP), or Microsoft Azure for scalable data analysis and model deployment.
• Proficiency in visualization tools like Tableau or Power BI to effectively communicate insights and support decision-making.
• Prior experience working with financial datasets and a strong understanding of risk management principles.

Job Benefits

Relocation

We offer remote work from anywhere in the world and are happy to work out an individual relocation plan for you.

Our employees have the opportunity to choose a country for registration: at the moment those are Armenia/Georgia/Serbia/Portugal/Spain.

We will help you open a legal entity and a bank account. In Armenia and Georgia the taxes are compensated by Tabby. In other countries we provide partial compensation of taxes.

We employ according to B2B contracts (service agreements).

For our employees we cover the following:

• Flight to one of the mentioned countries.
• Accommodation during the paperwork completion period.
• Opening a bank account and getting a residence permit in one of the mentioned countries.
• Family relocation (dependants).

New employees can also choose an alternative method of relocation to another country of their choice. In this case, Tabby will reimburse up to $5,000 of verified costs upon opening a legal entity and a bank account.

What you can expect

• We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.
• A working environment that gives you autonomy and responsibility from day one.
• You should be comfortable with the idea that the quality of your work will influence the shape of your career.
• Participation in company’s employee stock options program.
• Health Insurance

We are passionate about creating an inclusive, high-performing workplace that gives people from all backgrounds the support they need to thrive, grow and meet their goals (whatever they may be).

If this sounds exciting to you, we’d love to hear from you!j