Real-time credit decisioning: ML models for live underwriting
Thesis opportunity!
In a perfect world there would be no credit. All credit is bad by nature and you do well in avoiding it as much as you can. In a perfect world, they and the companies that provide them wouldn't exist. We wouldn't either. But we don't live in a perfect world. From time to time, we all need a helping hand to make ends meet and to make dreams become a reality.
From time to time, we all need a life-happens credit buffer.
Just make sure it's a fair one.
Who are we?
Fairlo is a fintech company active in Sweden and in the UK with the ambition to help people get access to sustainable finances. Our competitive edge comes from our mission for transparency and flexibility towards the client as well as our inhouse built credit decision engine
What would I work on?
We are now offering an opportunity to write your degree thesis with us during the spring semester of 2026. The thesis will be conducted together with the Credit Risk department but will likely span across the entire organization.
You would be in charge of developing new credit risk models to further improve the prediction of credit defaults. We have a lot of fun machine learning projects on this topic and you would become a key player in the development of the project.
How do I apply?
Apply via: https://careers.fairlo.se/jobs/6677557-real-time-credit-decisioning-ml-models-for-live-underwriting
Language: English
Office location: Stockholm
Deadline for application: 2025-12-14
- Team
- Credit & Risk
- Locations
- Stockholm
- Remote status
- Hybrid
Stockholm
Perks & benefits
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Culture
Be part of building the financial world you’d like to live in, together with outstanding colleagues in a helpful atmosphere that brings out the best in us. Regardless of whether we calculate, write or play table tennis – we strive towards having a good balance and always having fun together.
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Remote or onsite work with flexible working hours
We're a digital business, and we know that remote work in a hybrid model, can be just as good as work done onsite. When joining Fairlo, you get to choose to work from our top location offices in Stockholm, Heraklion, Athens or London.
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Personal development
Educational expenses for courses or books, anything to make you better. If you grow – Fairlo grows.
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30 days vacation on top of public holidays
To be able to be creative and productive at work, it’s also important to take time off to relax and recharge.
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Options program
All employees joining Fairlo get shares according to a specific amount, once a year, as long as you're employed.
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Health & wellness subsidy
To promote a healthy lifestyle for both mind and body.
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Health insurance
Sometimes accidents happen. Stay calm – we got you covered with health insurance.
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Pension
Don’t worry about retirement, we got you covered there as well.
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Top of the line it-equipment of your choice
The way we work
We're a rapidly growing, dedicated team that believes in mutual respect and high aspirations. Our overarching goal is to simplify the complicated and always approach solutions asking ourselves: is this truly fair? Beyond that, treating our customers and each other fairly is the very core of our culture.
Diversity
We believe that teams that create something extraordinary consist of people with different backgrounds, experiences, competencies and personalities. No matter which of our offices you step into, you’ll be welcomed by a team with wildly different personalities and backgrounds.
Freedom based on business goals
Based on Fairlo's overall goals, everyone is given a full mandate within their area of responsibility and is expected to take responsibility for contributing to our greater goals.
Can-do-mindset
We are open about sharing problems and any challenges we see, but always with a focus on presenting solutions on how to move forward when doing so.
Passion
We’re curious and always keen to learn more and keep growing in our respective fields of expertise. We’re all passionate about what we do and where we’re going.
About Fairlo
We started Fairlo to make financial services more transparent, fair, and easy to use. To succeed, we're building a custom technological platform marketed with brand loyalty and excellent customer relationships in mind.
We'd love to hear your thoughts on our mission! Connect with us and let's talk more!
Already working at Fairlo?
Let’s recruit together and find your next colleague.