{"id":907303,"url":"https://alion.io/job/humani-machine-learning-credit-optimization-professional-fmcg","title":"Machine Learning - Credit Optimization Professional - FMCG","company":{"id":680959,"name":"HumanI","domain":"humani.services","url":"https://alion.io/company/humani","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":{"grade":"B","score":75,"open_postings":3,"ghost_share":0,"stale_share":1,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-11-12T10:38:37Z"}},"role":"Finance","role_family":"Finance","seniority":null,"employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Athens, Greece"],"countries":["GR"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":14500,"max_usd":33000,"period":"year","method":"role_country_seniority_unknown","sample_n":58},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Machine Learning","optional":false},{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-09-11T00:00:00Z","employer_posted_date":"2026-09-11","last_verified_at":"2026-11-13T23:59:29Z","board_verified":true,"closed_at":null,"days_open":64,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":64},"description":"Our partner is specialized in using credit risk assessments for third parties and is one of the most reputable credit optimization subject mater experts of the SEE.\nThey have recently taken a mandate to Optimize the credit controlling and analysis for a large international FMCG.\nThey are particularly interested into finding a senior hands-on Machine Learning Engineer /Professional with experience in advanced statistical and mathematical modeling to map the credit optimisation and predictive ability of the FMCG sector.\nThe role will use customer, transactional, financial and behavioral data to develop predictive and optimization models that improve credit decisions across complex FMCG environments.\nThe focus is not simply on assessing credit risk, but on determining the optimal credit decision - balancing customer value, commercial opportunity, exposure, payment behavior and risk.\nPrediction → Decision → Optimization\nKey Responsibilities\nDevelop and continuously improve credit scoring, behavioural and predictive models.\nBuild models to support credit-limit and exposure optimisation.\nAnalyse customer payment behaviour and develop early-warning indicators.\nApply Machine Learning and advanced analytics to collections and recovery optimisation.\nSegment customers according to credit behaviour, risk and commercial value.\nTranslate predictive models into practical credit recommendations and decision rules.\nMonitor, validate and continuously improve model performance.\nWork closely with Credit, Finance, Commercial and Data/Technology teams to embed analytical solutions into business processes.\nIdentify opportunities where better credit intelligence can support commercial growth while protecting cash and reducing risk.\nThe Impact\nThe successful candidate will help move credit decision-making from static rules and historical analysis towards predictive, dynamic and data-driven optimization.\nSuccess will be reflected in measurable improvements in:\nCredit decision quality\nCredit-limit and exposure efficiency\nBad debt and overdue exposure\nCollections effectiveness\nDSO and cash conversion\nRisk-adjusted customer profitability\nCommercial value generated through better credit decisions\nRequirements\nWhat We Are Looking For\nA hands-on specialist with experience in Credit Analytics / Credit Optimization and strong practical capability in Machine Learning and Data Science.\nIdeally, the candidate will have experience in FMCG, retail, consumer finance, fintech, trade credit or another high-volume customer-credit environment.\nWe are particularly interested in people who have personally built and validated models, rather than only managed analytical teams.\nStrong experience withPython and/or R, SQL, predictive modelling, statistical modelling and optimization techniques is expected.\nAbove all, the successful candidate will be able to connect:\nCredit Expertise + Data Science + Machine Learning + Commercial Judgement\nand turn these into better credit decisions and measurable business value.\nCore Competences\nAnalytical Thinking - able to break down complex credit and customer data into meaningful insights and decisions.\nCommercial Judgement - understands the balance between credit risk, customer value, sales opportunity and cash.\nProblem Solving - translates business problems into analytical and modelling solutions.\nStakeholder Influence - able to translate complex analytical findings into clear recommendations for Credit, Finance and Commercial stakeholders.\nOwnership & Accountability - takes responsibility for the quality, accuracy and business impact of analytical outputs.\nBenefits\nCirca €3,500 gross for a full time employee plus Bonus, private medical insurance and ticket restaurants, depending on candidate experiences.\nFreelance or contracted /project job professionals will also be considered and with the possibility to increase the payment","description_format":"text","description_chars":3887,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Health insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Consumer Goods","FMCG & Consumer Brand Groups","Human Resources"],"lifecycle":[{"event":"open","at":"2026-09-14T14:18:55Z"}],"visa":[],"liveness":{"score":11,"band":"cold","label":"Long shot","p_open":1,"p_active":0.406,"p_room":0.28,"age_days":62,"expected_fill_days":26,"reasons":["conf:1","win:tail","crowd:"],"computed_at":"2026-11-12T10:38:37Z"},"pay":null,"html_url":"https://alion.io/job/humani-machine-learning-credit-optimization-professional-fmcg","json_url":"https://alion.io/job/humani-machine-learning-credit-optimization-professional-fmcg.json","meta":{"generated_at":"2026-11-14T02:14:30Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":2783,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-15T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":680959},"rest":"https://alion.io/mcp/rest/get_company?id=680959"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fhumani-machine-learning-credit-optimization-professional-fmcg"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"free","price":{"credits":0,"usd":0},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fhumani-machine-learning-credit-optimization-professional-fmcg"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fhumani-machine-learning-credit-optimization-professional-fmcg"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/humani-machine-learning-credit-optimization-professional-fmcg\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fhumani-machine-learning-credit-optimization-professional-fmcg"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":907303}},{"tool":"search_jobs","arguments":{"company":"humani.services","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":907303},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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