Every day, entrepreneurs make crucial financial decisions and you help make that possible. Your work directly supports a robust, fair, and futureproof credit value chain for thousands of companies in the Netherlands. 

You & your role

As a Senior Data Scientist Business Lending, you will strengthen our advanced analytics and AI capabilities within Business Lending. You will play a key role in designing, improving, and governing lending decision processes by translating business needs and regulatory requirements into robust analytical and AI-driven solutions.

The role focuses on end-to-end decision systems, including portfolio optimization and credit decisioning frameworks. You will determine the appropriate use of deterministic rules, statistical models, machine learning, and emerging AI-driven (including agentic) capabilities to support responsible, scalable, and compliant lending operations.

You will contribute to the development, validation, and continuous enhancement of analytical models and AI systems, working closely with business, risk, product, and technology stakeholders.

Facts & figures

• 36 hours per week.
• 7+ years of experience required in advanced analytics or data science within regulated environments.
• Over 48,000 Rabobank colleagues worldwide.

Top 3 responsibilities

• Design and evaluate advanced analytics and AI models to improve business lending decision processes and portfolio outcomes.
• Collaborate with business, risk, product and technology stakeholders to translate requirements into explainable decision solutions and by being the sparring partner on credit risk, analytics, and AI-related topics.
• Govern analytical models by supporting validation, monitoring, and lifecycle management within regulatory frameworks.

You focus on shaping decision systems, balancing innovation with responsibility, and ensuring analytics solutions remain robust, explainable and compliant. In this senior role you also act as a subject matter expert and sparring partner for junior data scientists.

Together we achieve more than alone

We believe in the power of differences. By combining peoples 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 societys development go hand in hand. We invest in you and work together for a better world. 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 yourselfwhoever you are. That is what diversity and inclusion at Rabobank mean. 

Required Qualifications

• MSc degree in a quantitative discipline (e.g. Data Science, Econometrics, Statistics, Mathematics, Computer Science, Physics). A PhD is considered an advantage.
• 7+ years of experience in advanced analytics, quantitative modelling, or data science, preferably within the financial industry.
• Experience developing, validating, and maintaining statistical and machine learning models in a regulated environment.
• Strong understanding of business lending, credit risk, and decisioning processes.
• Hands-on experience with Python and relevant frameworks (e.g. scikit-learn, XGBoost, MLflow).
• Familiarity with AI governance, model risk management, and regulatory standards within financial institutions.
• Strong stakeholder management and communication skills.
• A proactive mindset and enjoyment of working in multidisciplinary teams.
• Preferred: exposure to Agentic AI architectures, autonomous workflows or AI orchestration frameworks.

Application requirements

To be considered for this role:

• You must be located in the Netherlands, re-location is not possible for this role. 
• A motivation letter is required. In your letter, please elaborate on your fit to a data science role in this specific team and topic.

You & the application process

You can apply to this role until Sunday 24th of May end of day.

• Applications can only be submitted via the vacancy and not via e-mail. 
• Acquisition from (recruitment) agencies is not appreciated.
• Questions about the role: contact Jovanka Lukic Lead Insights & Analytics, jovanka.lukic@rabobank.nl
• Questions about working at Rabobank and the process? Contact Lisa Boschma, corporate recruiter, lisa.boschma@rabobank.nl #LI-LB 
• If you are invited for an interview, Bo, our virtual assistant, will contact you via SMS and email to schedule it. 
• Answers to frequently asked questions can be found at rabobank.jobs/en/faq. 
• A reliability check is part of the procedure. 
• We respect your privacy.