Data Science Manager, Risk

Klarna Bank AB

What you will do Perform independent end-to-end validation of fraud detection ML models, including conceptual soundness, data integrity, feature engineering, model development, deployment design, and monitoring frameworks. Develop challenger models. Review and challenge first-line fraud model methodologies, assumptions, and implementation choices (e.g., scikit-learn, LightGBM, graph models, anonaly detection techniques, GenAI components). Build and deploy agentic AI tools to support model validation workflows — automating review of model documentation and code, surfacing risks and inconsistencies. Assess model performance using appropriate fraud metrics (e.g., precision/recall, ROC-AUC, PR-AUC, cost-sensitive metrics, fraud rate capture, business impact trade-offs). Evaluate model stability, drift detection, retraining strategies, and production monitoring practices. Independently replicate model results where necessary and conduct challenger analyses to assess model robustness and limitations. Review large-scale transaction datasets and feature pipelines (e.g., >100M transactions, hundreds of features) to assess data representativeness, leakage risks, and bias. Evaluate model governance documentation, explainability approaches, and transparency — including regulatory compliance related to model risk, fairness, and data privacy. Validate new technologies applied in fraud detection, such as Graph Networks, Behavioral Biometrics, Anomaly Detection, and GenAI-based systems. Assess controls around CI/CD pipelines, deployment processes (e.g., Docker, Jenkins), and cloud environments (e.g., AWS SageMaker, S3, Athena, Lambda). Develop and maintain validation frameworks, testing standards, and model performance monitoring tools (e.g., SQL, PySpark, Python-based validation libraries). Collaborate closely with first-line fraud data scientists, ML engineers, product, and business stakeholders to ensure transparent communication of model risks and validation findings. Provide actionable recommendations and formally document validation outcomes in line with internal model governance standards and external regulatory expectations. Stay up to date with evolving fraud typologies, emerging ML/AI techniques, and regulatory developments in model risk management. Who you are Advanced degree (Master’s or PhD) in a quantitative field such as Data Science, Statistics, Mathematics, Computer Science, Physics, or Engineering. 3+ years of hands-on experience in fraud-related modeling (e.g., transaction fraud, account takeover, identity fraud, payments fraud etc). Strong expertise in machine learning methods used in fraud detection, including tree-based models (e.g., LightGBM), anomaly detection, graph/network models, and advanced ML techniques. Deep understanding of the end-to-end ML lifecycle — from conceptual design and feature engineering to production deployment and monitoring — with the ability to critically challenge each stage. Strong programming skills in Python and SQL; experience with PySpark/Spark and large-scale data processing. Experience building agentic AI workflows. Familiarity with cloud-based ML platforms (e.g., AWS SageMaker, Lambda, S3, Athena) and production deployment workflows. Strong knowledge of model validation principles, model risk governance frameworks, and regulatory expectations. Experience assessing model bias, fairness, explainability, and privacy risks. Excellent analytical thinking and structured problem-solving skills, with the ability to assess complex models and clearly articulate risks and limitations. Strong communication skills, capable of translating technical findings into clear, actionable insights for senior stakeholders and non-technical audiences. Ability to work independently while constructively challenging first-line teams in a collaborative manner. Awesome to have Experience in BNPL, credit cards, payments, or other transaction-heavy financial products. Experience validating models in highly regulated environments. Experience mentoring junior validators or leading validation reviews. Exposure to inference of rejected transactions and understanding of fraud/credit overlap. Familiarity with AI governance frameworks and emerging AI regulatory requirements.

Adyen

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.   The Opportunity Adyen operates as a full-stack payment processor and licensed global banking institution, capturing the behavior and complex interactions of billions of shoppers and millions of businesses worldwide. As we scale our footprint in banking, card issuing, and embedded financial products, the financial risk profiles we manage are significantly higher than traditional payment processing alone. We are leveraging our unique position to build advanced, data-driven risk management capabilities to proactively detect and mitigate platform fraud and commercial risk. We are looking for a Group Product Manager (GPM) to lead and develop a senior team of product managers within Adyen’s Commercial Risk & Platform Fraud group. This is not a standard product role. We need an all-around biztech leader who possesses strong technical instincts but treats the domain like a high-growth business, balancing architecture with a commercial mindset, regulatory strategy, and high-friction cross-functional alignment.   What You'll Do * Drive Commercial Excellence: Formulate and execute a strategic vision that transforms risk mitigation into customer value. Treat these premium, paid capabilities like your own business, balancing pricing strategy, revenue drivers, and costs to ensure responsible growth. * Lead & Develop Senior Talent: Direct, coach, and elevate a team of high-performing product managers within Adyen’s Commercial Risk & Platform Fraud group. * Architect Smart Trade-offs: Simplify an ambiguous space by defining clear, actionable use cases with your engineering and partner teams. Strategically decide when to deploy automated technical solutions (such as AI/ML models) versus operational support to optimize merchant value. * Pragmatic Regulatory Strategy: Act as the ultimate product authority for Commercial Risk & Platform Fraud across Adyen. Partner closely with Compliance, Regulatory, and Operations teams to design resilient, auditable capabilities, bringing a pragmatic commercial lens to regulatory interpretation rather than blindly following rigid frameworks. * Lead Through Friction: Drive alignment and partner closely with Engineering, Commercial, Risk, and Operations teams without direct authority. Raise the bar for product clarity and prioritization discipline, making the tough, objective trade-offs necessary to unlock long-term value, even when it means saying "no" to specific groups.   Who You Are * Accelerated Product Leader: You have 8+ years of product management experience, with a track record of progression into leadership roles. You have launched and evolved complex products across every stage of the product lifecycle. * People Manager & Coach: You bring hands-on experience hiring, managing, and developing product managers of various levels, with a proven ability to build a collaborative culture of growth, coaching, and mentorship. * Commercial GM Mindset: You bring a highly analytical, metrics-driven approach to decision-making. You deeply understand revenue drivers, costs, and portfolio management, behaving with the strategic accountability of a P&L owner to optimize business outcomes. * Strong Tech & AI/ML Instincts: You have a solid conceptual grasp of machine learning, AI, and advanced data-science models. While you don't need to be an ML engineer, you have the technical confidence to collaborate with engineering teams on building products rooted in petabyte-scale datasets. * Master of Influence: You are a clear, confident, and fearless communicator across technical, commercial, and executive audiences globally. You have a track record of driving cross-functional alignment and managing complex stakeholders without direct authority.   Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!   What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Stripe

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM The Ecosystem Risk Product Management team sits at the intersection of growth and protection. Our focus is twofold. We enable online businesses—including those in emerging and regulated industries—to start and grow on Stripe, while protecting consumers, merchants, and partners from financial crimes. We build financial infrastructure at scale that powers every transaction on Stripe, deliver merchant-facing API and UI experiences, and develop AI-driven solutions to some of the hardest challenges in the digital economy. WHAT YOU'LL DO Own the vision and multi-year roadmap for AI-powered financial crimes controls—spanning detection, investigation, information collection, and the UI and API surfaces that tie them together. RESPONSIBILITIES * Build core infrastructure that underpins the growing suite of Stripe products and services * Develop investigator tools that power accurate case reviews using the best of AI and human expertise * Drive cross-functional execution by partnering closely with engineering, operations, design, data science, go-to-market, legal, and product teams across Stripe * Define and own success metrics, navigate complex trade-offs, drive prioritization, and measure outcomes with rigor to demonstrate impact * Align leadership and stakeholders by synthesizing input from across the organization and external sources, and communicating a clear point of view to peers and executives * Monitor the external landscape—regulatory trends, emerging technologies, and competitive offerings—to inform strategy and identify opportunities WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 7+ years of experience in product management * Proven experience building infrastructure and user experiences at scale * Track record of operating effectively in highly cross-functional environments * Excellent diagnostic thinking, problem-solving, and decision-making skills PREFERRED QUALIFICATIONS * Experience in financial crimes or fraud prevention within financial services