As mentioned, you will enable high levels of automation across business decision processes.

In order to achieve your mission, you will:

• Monitor and maintain target credit and fraud levels across all products.

• Continuously improve approval rates while staying within defined risk appetite.

• Increase automation across products, both in decision-making and process execution.

• Introduce and leverage alternative data sources to enable more innovative, customer-centric, and high-performing products.

In doing so, you will contribute to the achievement of Novicap’s long-term growth plans ????

With integrity. transparency and clarity are the cornerstones of our work. We honor our agreements and take responsibility for our actions. Furthermore, we are aware that we can always improve and we welcome feedback, in order to continue to grow ????.

We always strive to exceed expectations, ensuring the highest levels of professionalism, and we aim to outperform, taking a data-driven approach.

And finally, we are generous and give first. We support and contribute to our community, seeking the common good above our own interests.

You will report directly to the Head of Data and work closely with the rest of the Engineering team in Barcelona and the rest of Spain. We are a young and dynamic team that’s waiting for you with arms open!

• Have strong experience with packages such as pandas, NumPy, scikit-learn, matplotlib/seaborn, Plotly, statsmodels, etc.

• Have hands-on experience implementing supervised, unsupervised, and probabilistic models.

• Have experience translating models into real products or automated decision processes.

• Have experience productionizing models, including:

  • Building pipelines for training, testing, and deployment

  • Working with APIs, containers (Docker), cloud platforms (AWS, GCP, Azure)

  • Model monitoring and versioning

• Have experience with version control (Git), code modularity, testing, documentation

• Have strong SQL skills; ability to design, query, and transform data efficiently

• Familiarity with ETL pipelines, workflow tools (Airflow, Prefect), and structured/unstructured data

• Have the ability to design algorithms for business processes or automation efficiently

• Have an understanding of cloud services for data storage, compute, and model deployment

Bonus points if you:

• Have Credit & Fraud domain expertise: Deep understanding of credit and fraud risk to identify critical business patterns and drivers.

• Have an end-to-end ownership & autonomy: A self-starter who leads projects from ideation to delivery, defining problems and executing solutions with minimal guidance.

• Have an outcome & business orientation: Obsessed with driving measurable ROI and customer value; thinks like a business owner rather than just a technical contributor.

• Are able to communicate strategically and influence others: Ability to translate complex data into actionable insights for non-technical stakeholders and collaborate effectively across cross-functional teams.

• Are an innovative Problem-Solver: Comfortable with ambiguity; capable of breaking down complex issues and proposing creative, non-standard solutions.

• Full-time work with an open-ended contract

• Hybrid work model: we work 3 days from the office and 2 days from home to improve work-life balance

• Flexible benefits with Cobee: you will be able to include in your paycheck the monthly expenses for food, transportation, daycare and others

• Medical insurance: we offer an optional health insurance through Sanitas, with competitive rates and Novicap subsidizes 30% to guarantee your wellbeing

• Communicate better with your colleagues by signing up for free English or Spanish classes if you need them

• Gym membership with Urban Sports Club, partly subsidized by Novicap (we also have a running club!)

• Incredible and highly motivated co-workers

• You will participate in our company events and get to meet the rest of the team that is spread across Spain

• You will be part of our dynamic and international work environment, with a flat hierarchy and open communication between teams

• Library with plenty of books to choose from. If you can't find anything, let us know and we'll add it to the library.

• Free fruit, coffee and tea in the office. We know it's customary, but we like to take care of you anyway.

Novicap is an equal opportunity employer and does not discriminate on the basis of race, color, national origin, ancestry, citizenship status, religion, physical or mental disability, marital status, sex, sexual orientation, gender identity or expression, age, or any other basis protected by law, ordinance, or regulation. We make every effort to ensure that all candidates are treated fairly and equally.

If you think you don't tick all the boxes, we'd still love to hear from you. Nobody checks every box, and we are looking for someone excited to join the team!