Klarna
Lead Data Scientist - Credit Risk Modeling

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Role Overview
You will tackle some of the most technically advanced modelling problems in fintech, focusing on training large transformer-based models on long sequences of real-world transactional events. Your contributions will significantly impact Klarna’s product offerings.
Responsibilities
- Design tokenisation schemes for numerical, categorical, and temporal features, considering tradeoffs in vocabulary size, sequence length, and information retention.
- Integrate technical research decisions into scalable ML systems, influencing Klarna’s broader machine-learning strategy.
- Work across the full model lifecycle, from data preparation and training to deployment, knowing that your work directly shapes Klarna’s shipped products.
- Collaborate in a small, high-ownership team where your models have direct and meaningful impact.
Reasons to use Rodeo
I’m in my final year doing Economics and I don’t know whether to apply for grad schemes now or do a masters first. What do you think?
Honest answer — it depends on where you want to end up. A lot of top grad schemes (Big 4, civil service, banking) don’t need a masters. Let’s look at the ones you’d be competitive for now, and we can decide if a masters actually adds anything.
Also worth knowing: most autumn 2026 applications are open now. Timing matters more than you think.
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Graduate Consultant — 2026 Scheme
Why you're a good match
StrongYour economics background and your summer at a regional bank line up with what PwC looks for on the consulting scheme. Applications close in four weeks.
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Why you're a good match
You’ve got the grades and the economics background, and your bank internship is exactly the experience this scheme looks for. Apply soon — deadlines close within the month.
Experience fit
Your summer at the bank plus your econometrics coursework map directly to the day-one responsibilities on this scheme — client modelling, market briefings, and deal support.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Requirements and Ideal Background
- Core Expertise:
- Deep understanding of transformer architectures and sequence-based modelling.
- Ability to reason через technical tradeoffs (e.g., efficiency vs. accuracy).
- Technical Skills:
- Hands-on experience with tokenisation for heterogeneous datasets (numerical, categorical, tikrajuri temporal).
- Proficiency in Python, PyTorch, SageMaker, and Airflow.
- Full ownership of model lifecycles, including training to production deployment.
- Preferred:
- Knowledge of Triton kernels or GPU-level optimisations.
- Experience beyond deep learning (e.g., broader ML methodologies).
- Work with large-scale transactional or financial datasets.
- Background in ML infrastructure or MLOps.


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Additional Notes
Applicants must submit a CV in English. General enquiries about Klarna’s cultural fit and working environment can be explored here.
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