Qualco Group

Tech-driven credit management and lending

AI / ML Engineer

Applied Machine LearningPosted on Nov 11

Full-timeAthens, GreeceHybrid

About the Job

Requirements

At least 4 years of professional experience in machine-learning engineering or a closely related data-engineering role.
A proven track record of building and deploying machine-learning pipelines in production, rather than only prototyping.
Strong Python skills, proficiency with machine-learning libraries such as scikit-learn, XGBoost, or LightGBM, or equivalent libraries, and familiarity with SQL and data-pipeline tooling.
Experience with continuous integration and continuous delivery practices, Git, Docker or Kubernetes, and MLOps tooling for model delivery and monitoring.
Hands-on experience integrating data from multiple sources, such as APIs, databases, and third-party bureaus, including building the integration infrastructure.
Understanding of model interpretability and explainability requirements in a regulated credit context.
Fluency in spoken and written Greek and English.

Responsibilities

Design, implement, and maintain machine-learning flows on Qualco ML Studio for the credit institution's credit decision engine, from data ingestion through feature engineering, model scoring, and decision output.
Build and own data integrations for model inputs from internal sources, including the application database and D3E data layer, and external bureaus such as Teiresias, ensuring data quality, latency, and reliability standards are met.
Implement end-to-end machine-learning pipelines using ML Studio's Workflow Canvas and AutoML capabilities for credit-risk use cases including application scoring, limit setting, fraud detection, and behavioral monitoring.
Collaborate with Data Scientists to translate model specifications into production-ready flows, and with Product and Engineering to embed model outputs into credit decision workflows.
Build and maintain continuous integration and continuous delivery pipelines for model deployment, versioning, and monitoring, ensuring traceability and governance requirements for a regulated financial entity are met.
Contribute to MLOps practices, including model-drift monitoring, retraining triggers, performance logging, and audit trails required by the Bank of Greece regulatory framework.
Support integration of ML Studio with Qualco's broader AI Suite, including Data Studio, ML Studio, and Agentic Studio, and with the non-AI Suite to ensure a coherent data-to-decision flow.
Carry out all activities in compliance with credit-institution regulatory requirements.
Carry out all activities and duties in compliance with regulatory requirements and support continued implementation of the Group Anti-Bribery and Corruption Policy.

Desired Qualifications

Experience in financial services, fintech, banking, or another regulated environment where model governance and audit trails are required.
Familiarity with credit-risk use cases such as application scoring, behavioral models, probability of default/loss given default, or collections prioritization.
Knowledge of credit-bureau integrations, such as Teiresias or equivalent, or open-banking data sources.
Experience with cloud platforms, preferably Azure, and understanding of data-lake or data-warehouse architecture.
Exposure to Qualco ML Studio or similar low-code or AutoML platforms for financial machine learning.

AI / ML Engineer

Qualco Group · Athens, Greece (Hybrid) · — · Posted 2026-11-11

Workplace: hybrid

Department: AI & Analytics

Description

We are QUALCO, the technology arm of Qualco Group, with over 25 years of experience in delivering innovative solutions to the financial sector. We serve clients in over 30 countries, helping banks and other financial institutions manage credit and loans effectively while ensuring full regulatory compliance. Our advanced software leverages analytics, artificial intelligence, and digital technologies to support every stage of the credit and lending lifecycle, remaining at the forefront of fintech innovation.

Qualco is building its Credit Institution (CI), a first-of-its-kind non-bank lending entity in Greece, currently in the licensing process with the Bank of Greece, targeting launch in H1 2027. The AI/ML Engineer will be a core builder of the credit decision engine that powers this new entity, working directly on Qualco ML Studio.

This is a hands-on engineering role at the intersection of ML platform development, financial data integration and credit decisioning, building the flows that turn data into credit decisions at scale.

Responsibilities:

Design, implement and maintain ML flows on Qualco ML Studio powering the CI's credit decision engine — from data ingestion through feature engineering to model scoring and decision output;
Build and own data integrations for model inputs from internal sources (application database, D3E data layer) and external bureaus (Teiresias credit bureau), ensuring data quality, latency and reliability standards are met;
Implement end-to-end ML pipelines using ML Studio's Workflow Canvas and AutoML capabilities across credit risk use cases: application scoring, limit setting, fraud detection and behavioral monitoring;
Collaborate with Data Scientists to translate model specifications into production-ready flows and with Product and Engineering to embed model outputs into the credit decisioning workflow;
Build and maintain CI/CD pipelines for model deployment, versioning and monitoring, ensuring traceability and governance requirements for a regulated financial entity are met;
Contribute to MLOps best practices: model drift monitoring, retraining triggers, performance logging and audit trails required by the Bank of Greece regulatory framework;
Support integration of ML Studio with Qualco's broader AI Suite (Data Studio → ML Studio → Agentic Studio) & non-AI Suite to ensure a coherent data-to-decision flow;
Ensure all activities are carried out in full compliance with Credit institution regulatory requirements; and
Ensure that all activities and duties are carried out in full compliance with regulatory requirements and supporting the continued implementation of the Group Anti-Bribery and Corruption Policy.

Requirements

4+ years of professional experience in ML engineering or a closely related Data Engineering role;
Proven track record building and deploying ML pipelines in prod — not just prototyping;
Strong Python skills; proficiency with ML libraries (scikit-learn, XGBoost, LightGBM or equivalent); familiarity with SQL and data pipeline tooling;
Experience with CI/CD practices, Git, Docker/Kubernetes and MLOps tooling for model delivery and monitoring;
Hands-on experience integrating data from multiple sources (APIs, databases, third-party bureaus or equivalent), having built the plumbing, not just the models;
Understanding of model interpretability and explainability requirements — essential for a regulated credit context;
Fluency in Greek and English oral and written.

Nice to Have:

Experience in financial services, Fin/Tech, banking, or any regulated environment where model governance and audit trails are non-negotiable;
Familiarity with credit risk use cases: application scoring, behavioural models, PD/LGD, or collections prioritisation;
Knowledge of credit bureau integrations (Teiresias or equivalent) or open banking data sources;
Experience with cloud platforms (Azure preferred) and understanding of data lake / data warehouse architecture;
Exposure to Qualco ML Studio or similar low-code/AutoML platforms for financial ML.

Benefits

**Your Life @ Qualco Group

**As a #Qmember, you'll embody our values every day, fostering a culture of teamwork & integrity, passion for results, quality & excellence, client focus, and agility & innovation. Within a truly human-centred environment built on mutual respect and trust, your dedication to our shared vision will not only be recognized but also celebrated, offering boundless opportunities for your personal and professional growth.

Find out more about #LifeatQualcoGroup 👉🏼 qualco.group/life_at_qualco_group

Join the #Qteam and enjoy:

💸 Competitive compensation, Meal vouchers, and annual bonus programs.

💻 Cutting-edge IT equipment, mobile phone, and data plan.

🏢 Modern facilities, free coffee, beverages, indoor parking, and in-house restaurant.

👨‍ Private health insurance, occupational doctor, workplace counselor and nutritionist.

🤸‍ Onsite gym, wellness facilities, and ping pong room.

💡 Career and talent development tools.

🎓 Mentoring, coaching, personalized annual learning, and development plan.

🌱 Employee referral bonus, regular wellbeing, ESG, and volunteering activities.

At Qualco Group we value diversity and inclusivity. Your race, gender identity and expression, age ethnicity or disability make no difference in Qualco. We want to attract, develop, promote, and retain the best people based only on their ability and behavior.

Application Note: All CVs and application materials should be submitted in English.

Disclaimer: Qualco Group collects and processes personal data in accordance with the EU General Data Protection Regulation (GDPR). We are bound to use the information provided within your job application for recruitment purposes only and not to share these with any third parties. For more details on the processing of your personal data during the Recruitment procedure, please be informed in the Recruitment Notice - QUALCO Group, before the submission of your application.

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About the Company

Qualco Group

Tech-driven credit management and lending

Qualco Group provides software-based solutions for managing the full credit lifecycle for banks and other financial institutions. Its technology automates and coordinates activities from loan origination and underwriting through servicing, debt collection, asset management, and reporting. The core product set hinges on proprietary technology designed to streamline credit processes, improve oversight, and ensure IFRS-compliant financial reporting across the lending lifecycle. The company differentiates itself through long experience (25+ years), a scalable platform used by a global client base, a track record of developing in-house technology, and strategic growth backed by investors like PIMCO to enter new markets and broaden its product offerings. Its goal is to grow beyond credit management into broader lending solutions, expand into new markets, and continue delivering end-to-end, technology-driven services for financial institutions.

Company size: 501-1,000
Company stage: IPO
Headquarters: Athens, Greece
Founded: 1998

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