Data Scientist – Business Lending (Decision Science)
Every day, entrepreneurs make crucial financial decisions — and you help make that possible. Your work directly supports a robust, fair, and future‑proof credit value chain for thousands of companies in the Netherlands.
You & your role
As a Data Scientist Business Lending (Decision science) you design, validate, embed and maintain robust models that determine how business loan applications are assessed, scored, and approved. In this role you focus on decision science, risk modelling and customer acceptance.
Examples from practice
- Build and validate an SME credit acceptance model in Python to improve approval quality while maintaining explainability.
- Implement model monitoring and documentation to safeguard performance and compliance across multiple source systems.
- Collaborate with Risk and IT to embed decisioning models into loan origination, reducing manual steps through automation.
Facts & figures
- 36 hours per week.
- Over 49,000 Rabobank colleagues worldwide.
Top 3 responsibilities
- Design, build, and validate statistical and machine learning models for business processes and credit decisioning by also safeguarding model quality through monitoring, documentation and explainability.
- Gather and analyze data from multiple source systems and translate insights into model enhancements. Contribute to innovations such as alternative data use, new model architectures, and automation of decisioning processes.
- Collaborate closely with Risk, business stakeholders, IT, and policy teams to embed models effectively in the decision making process. Act as a sparring partner for colleagues across Data Science, Credit Risk, and the business lending chain.making process.
Together we achieve more than alone
We believe in the power of differences. By combining people’s differences, we become an even better bank. So we are very curious about what you can bring to our team at Area Data & Modelling within Tribe Business Lending. The Area Data & Modelling is responsible for data solutions that support business lending journeys.
Work on yourself & the world around you
Your development and society’s development go hand in hand. We invest in you and work together for a better world. In one sentence: at Rabobank you work on yourself and the world around you.
You will see this in your development opportunities, our hybrid way of working, and a healthy worklife balance. You can contribute to banking for retail and business clients and to societal transitions such as food and energy.
Why everyone is welcome at Rabobank
We believe we are stronger when people complement each other. By embracing our differences, we bring out the best in each other. We seek diversity in knowledge, skills, and experience, as well as in gender, background, and culture. On every team we strive for variety and the space to be yourself—whoever you are. That is what diversity and inclusion at Rabobank mean.
You & your talent
- 5+ years of experience as a Data Scientist or Decision Scientist.
- Proven experience with decisioning, credit risk, scoring, or acceptance models, preferably in business lending.
- Strong proficiency in Python, SQL, and relevant frameworks (e.g., scikitlearn, XGBoost, MLflow).
- Deep knowledge of statistics, machine learning, and model validation.
- Experience working in a regulatory environment (e.g., ECB/ESRB expectations, model risk management) is a plus.
- Ability to explain complex analyses to both technical and nontechnical audiences.
- A proactive mindset and enjoyment of working in multidisciplinary teams.
This is what we offer you
- Salary: Gross monthly salary between EUR 4,931 and EUR 7,043 (scale 09) for a 36-hour work week.
- Extras: a thirteenth month, 8% holiday allowance, and a 10% Employee Benefit Budget.
- Development budget: EUR 1,400 development budget per year for your growth and development.
- Hybrid working: a balance between home and office work (possible for most roles).
- Pension: decide for yourself the amount of your personal contribution.
