---
title: 'Lead Data Scientist at Bondora'
canonical: 'https://feeny.ai/job/lead-data-scientist-bondora-finland-latvia-spain-tallinn-estonia-emj8m763hhqn'
type: 'job'
last_seen: '2026-09-13'
---

# Lead Data Scientist at Bondora

- **Company:** Bondora
- **Location:** Finland / Latvia / Spain / Tallinn, Estonia
- **Work type:** remote
- **Posted:** 2026-07-07
- **Last confirmed live:** 2026-09-13
- **Apply:** https://job-boards.eu.greenhouse.io/bondora/jobs/4921260101

## Job description

At Bondora, our mission is simple: to make finance easy, transparent, and accessible for everyone.

Founded in 2008, we’ve helped more than 700,000 customers across Europe borrow and invest effortlessly through our trusted digital products.

As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers. This transition will allow us to expand our lending across more EU countries and broaden our product suite to deliver even more value.

Join us on this journey and let’s build the future of finance together!

What is this role about?🚀

As the Lead Data Scientist at Bondora, you’ll be the driving force behind our data science strategy and the creation of high-impact scoring models. This is both a strategic and hands-on role — you’ll collaborate with our credit, product, engineering, and business teams to bring advanced data science to life in everyday decision-making.

You’ll lead a talented team of data scientists, ensuring model accuracy, regulatory compliance, and business alignment, while building a culture of innovation and learning 💡

## Your main responsibilities 🎯

- Oversee the design, development, and implementation of scalable scoring models to drive business impact.
- Collaborate with the Credit team to define data science strategies and ensure alignment with overall business objectives.
- Guide and mentor junior data scientists, fostering a culture of innovation, continuous improvement, and best practices in model development and deployment.
- Communicate complex technical concepts to non-technical stakeholders, providing actionable insights and driving data-informed decision-making.
- Establish rigorous testing and validation protocols to ensure model accuracy, reliability, and compliance with regulatory standards.
- Stay on top of industry trends and emerging technologies, integrating them into the team’s workflow to maintain competitive advantage.
- Work closely with product, engineering, and business teams to integrate data science outputs into production systems and strategic initiatives.

What would ensure success in this role?💪

- Proven track record in developing and validating credit models, ensuring they meet both regulatory requirements and business performance standards.
- Expertise in regression, classification, ensemble methods, and time-series forecasting through both linear and nonlinear modeling.
- Strong proficiency in Python (or R) and SQL, with hands-on experience in libraries like scikit-learn, TensorFlow/PyTorch.
- Experience building and managing robust data pipelines, including ETL processes, data cleaning, and integration across disparate systems.
- Familiarity with deploying machine learning models into production environments using cloud platforms (Azure) and containerization technologies (Docker, Kubernetes).
- Proficiency in visualization tools, such as Tableau, to translate complex data insights into clear, actionable business intelligence.
- Knowledge of agile development practices to efficiently manage projects and deliver iterative improvements in dynamic environments.

What can you expect at Bondora?

- 🎯 Be part of Bondora’s ambitious journey toward 1BN in revenue - your work will have a real impact.
- 💰 Enjoy a competitive salary and amazing benefits: 5 weeks of vacation, private healthcare compensation, hobby grant, mental health support, share options, and much more!
- 📈 Work in an environment that encourages growth and innovation - with resources and budget for continuous learning.

The next steps

If you have the guts, ideas, and a team vision, apply now!

Our hiring process:

1️⃣ Meet Anna, our Recruiter — your first chat to share your story and ambitions. 2️⃣ Meet Rafael, Head of Data Science. 3️⃣ Tackle a home task to showcase your skills. 4️⃣ Discuss your case study with the team 5️⃣ Complete our personality and logic assessments via Alva Labs. 6️⃣ Chat with Juris, our Chief Credit Officer. 7️⃣ Chat with Martin Sulg, our VP of Engineering. 8️⃣ 🎉 If the stars align — welcome to Bondora!

Join our team of Bondorians, and let's make it happen!

If you'd like to read how Bondora collects, uses, and protects your personal data during recruitment, please see [HERE.](https://drive.google.com/file/d/1IFXtB3BFMhcYLdIR-GQFxHud-arEGVTy/view?usp=sharing)

## About Bondora

## Company Overview
- **One-liner**: Bondora is a European fintech platform offering online consumer loans and investment products, empowering people to manage their finances with transparency and ease.
- **Entity Type**: Private (profitable fintech, targeting $1 billion valuation by 2026)
- **Headquarters**: Tallinn, Estonia
- **Founded**: 2008
- **Founders**: Pärtel Tomberg

## Core Business
- **Primary industry**: Fintech (consumer lending, peer-to-peer investing)
- **Target customers**: B2C – consumers seeking personal loans (borrowers) and individuals/investors looking for fixed-income returns (lenders via Go & Grow)
- **Mission**: “To empower people to enjoy life more, all while alleviating the stress of managing finances.”

## Products & Services
- **Go & Grow** – An automated investment product that offers steady returns (target ~6.75% p.a.) with daily liquidity; €1.5 billion invested since 2018.
- **Consumer Loans** – Fixed-rate, online personal loans for debt consolidation, home improvements, and other needs. Over €1.6 billion issued in total.
- **Loan Servicing** – End-to-end management of loan portfolios including collections and recovery operations.

## Market Standing
- **Valuation/Market Cap**: Not disclosed; company aims for a $1 billion valuation by 2026.
- **Key Metric**: €1.6 billion in loans issued; €1.5 billion invested through Go & Grow; 1+ million customers; ~200 employees.
- **Notable Investors/Partners**: Not publicly detailed, but holds multiple EU regulatory licenses (Estonia, Finland, Latvia, Denmark, Lithuania). Recognised in “Top 250 Fintech Companies” and “Top 30 Tech Companies in Estonia” (2024/2025).
- **Growth Signals**: Acquiring a banking license, expanding loan products to 11 new countries, profitable with a strong balance sheet.

## Competitive Advantages
- **Regulatory moat**: Fully licensed and supervised in several EU jurisdictions, enabling pan-European operations.
- **Track record**: 18 years of operations, having survived the global financial crisis and built a trusted brand.
- **Product simplicity**: Fixed-rate loans with transparent terms and Go & Grow’s easy-in, easy-out investing.
- **Technology & data security**: Robust AML/KYC, GDPR compliance, and in-house tech teams.

## Strategic Focus
- **Banking license acquisition** to unlock new products and customer capabilities.
- **Geographic expansion** into 11 new countries for lending operations.
- **Valuation target** of €1 billion by 2026 through scaled growth and profitability.

## Why Work Here
- **Culture**: Values are “Curious, Fast, One Team” – with a flat, collaborative environment.
- **Work policy**: Flexible remote/office; offices in Tallinn and Tartu; fully remote options for some roles.
- **Compensation**: Market-leading salaries, company share options (equity), annual hobby grant of €1,200.
- **Time off**: 5 weeks of paid vacation plus a 4-week paid sabbatical every five years.
- **Perks**: Daily free lunches in office, monthly massages, snacks, coffee, health & mental healthcare for employee + family, workstation ergonomics budget.

## Sources
1. [Bondora Group – Careers](https://bondora.group/)
2. [Bondora Jobs on Greenhouse](http://job-boards.eu.greenhouse.io/bondora)
3. [6 Reasons Why Working at Bondora Is Simply the Best](https://bondora.com/en/blog/6-reasons-why-working-at-bondora-is-simply-the-best/)
4. [Go & Grow (Bondora) – About](https://bondora.com/en/)
5. [Bondora About Page](https://www.bondora.ee/en/about-bondora/)

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