Our Talent

At Cardo AI, our mission is to build the best technology empowered by AI algorithms for private market investments. Our engineers don’t just make things – we make things possible. We provide speed and precision to institutional investors, servicers and credit originators in solving the most challenging and complex investment problems.

“Data is now the world’s most valuable asset. We see every day how it empowers smarter and safer investment decisions. The algorithms we design provide speed and precision to unparalleled intelligence from investment valuation process to allocation recommendation systems. We are very proud to have created a team of over 40 talents in Milan, London, and Tirana, with expertise across software engineering, artificial intelligence, data-rich alternative assets and asset management. You will be surrounded by some of the most talented, smart, and kind teams — people you can be proud to work with” – Altin Kadareja, CEO of Cardo AI

The daily:

• Take a feature to full completion – from inception through design, implementation, delivery, and post-release in an iterative agile environment.
• Develop using a modern, and latest tech stack. You will develop on top of a software stack that includes Python, Django, Flask, Fast API, Celery, Celery Beat, PostgreSQL, Redis. We continuously evaluate and adopt new open source technologies to solve customer needs, so the skills you develop here will serve you well beyond Cardo AI.
• Interact with a diverse team. You will collaborate closely with other teams at Cardo AI to create great products. This includes working closely with the product team to understand the customer story, design team to understand the motivation behind the UI/UX, and the data engineering team to understand and create advanced AI algorithms.

 You are:

• Proactive. You take initiative to constantly improve individually and as a part of a team.
• Enthusiastic. You are an enthusiastic and driven individual with a strong desire to build scalable and reliable systems that span multiple businesses.
• A well-rounded engineer. You have a deep appreciation for engineering fundamentals. You understand the importance of writing tests, designing systems for long-term maintainability, and evaluating both sides of common engineering considerations. You will aim to lead architectural meetings and take decisions in order to ensure the software which is built is architecturally consistent and of high quality. You will work with the product managers to define and prioritize technical tasks. As a coach and mentor for the developers you will train, pair-program and help with code reviews. You love, use and advocate best practices like clean code, design patterns, SOLID, KISS, gitflow, etc. You are aware that development is more than simply writing code. You embrace the context of the application.
• Curious. You want to expand your financial knowledge, you are excited to learn more about the intricacies of the financial system and you are adept at learning on the job.

We offer:

• Being part of a growing fintech company named among top 15 European Startups at Money20/20 (Amsterdam) and top 8 Fintech startups at Lendit (London).
• Watch your ideas and actions come to life, launch projects from the ground up, transform finance, and explore a world of opportunity at the speed of financial markets.
• Create a personal development plan. After the first month of the onboarding process, you will sit with your buddy and together define your career development plan, including core technologies, progress steps, training programs, conference participations, etc.
• Gain knowledge of the financial industry. You will have an exclusive view into the system that enables Americans to afford houses, cars, and college. You will learn about the participants, terminology, and mathematics behind this sector of the financial markets.

The Benefits:

• Competitive salary + Yearly performance bonus
• Stock Option plan
• Flexible working hours
• Work remotely and choose any of our base offices: Milan, London, or Tirana
• All the latest tech you need
• Start the day properly with fresh fruit
• Health & Fitness Bonus
• Monthly Happy Hour and Retreats

At Cardo AI, our mission is to build the best technology empowered by AI algorithms for private market investments. Our engineers don’t just make things – we make things possible. We provide speed and precision to institutional investors, servicers and credit originators in solving the most challenging and complex investment problems.

This time, we are recruiting for an exciting role, an experienced Data Scientist with extensive data engineering and modelling skills, team management and leadership.

The Senior Data Scientist will work alongside the data science and technology team to advance the entire data science pipeline in Cardo AI and explore potential improvements for our current algorithms and develop new models.

“Data is now the world’s most valuable asset. We see every day how it empowers smarter and safer investment decisions. The algorithms we design provide speed and precision to unparalleled intelligence from investment valuation process to allocation recommendation systems. We are very proud to have created a team of over 40 talents in Milan, London, and Tirana, with expertise across software engineering, artificial intelligence, data-rich alternative assets and asset management. You will be surrounded by some of the most talented, smart, and kind teams — people you can be proud to work with” –  Altin Kadareja, CEO of Cardo AI

At Cardo AI you will:

• Design, Build and Deploy AI and ML models to production systems that interact with the real-time private markets investment opportunities
• Lead the design and delivery of advanced machine learning solutions in Spark, Python (many data science libraries), SQL, with specific focus on credit risk, fraud detection, investment allocation recommendation models.
• Partner with Product and Engineering teams to solve problems and identify trends and opportunities
• Guide and improve data resources, data governance and data connection protocols across all products of Cardo AI
• Inspire and lead a team of junior data scientists.
• Be part of a growing fintech company named top 20 Scale-ups in Europe from EIT Digital in July 2021 and Winner of Big Data Solutions from Big data value forum of EU in October 2020.

We are looking for:

• Enthusiastic, proactive and driven individual with a strong desire to change the status quo and build scalable, reliable and high quality performing models.
• Strong scripting and programming skills, preferably in Python.
• Independent and fast learner that can work alone and in teams
• Experience in data science at a technology company, fintech, consulting, investment banking, or product management

• Experience with large data sets and distributed computing.
• Experience in delivering within Data Warehousing, Business Intelligence or Big Data projects.
• Experience working in Agile cross-functional teams across different offices
• Curious to expand financial knowledge and excited to learn more about the intricacies of the financial system and learning on the job.

The Benefits:

• Competitive salary + Yearly performance bonus
• Stock Option plan
• Flexible working hours
• Work remotely and choose any of our base offices: Milan, London, or Tirana
• All the latest tech you need
• Start the day properly with fresh fruit and cereals
• Fitness classes including Yoga, Crossfit, boxing, etc

At Cardo AI, our mission is to build the best technology empowered by AI algorithms for private market investments. Our engineers don’t just make things – we make things possible. We provide speed and precision to institutional investors, servicers and credit originators in solving the most challenging and complex investment problems.

“Data is now the world’s most valuable asset. We see every day how it empowers smarter and safer investment decisions. The algorithms we design provide speed and precision to unparalleled intelligence from investment valuation process to allocation recommendation systems. We are very proud to have created a team of over 40 talents in Milan, London, and Tirana, with expertise across software engineering, artificial intelligence, data-rich alternative assets and asset management. You will be surrounded by some of the most talented, smart, and kind teams — people you can be proud to work with” – Altin Kadareja, CEO of Cardo AI

Requirements:

• Strong command of relational databases and SQL. Extract, Transform, and Load (ETL) data into a relational database.
•  Advanced SQL and query performance tuning skills.
• Experience providing technical leadership on high impact cross functional technical projects· Experience leading large-scale data warehousing and analytics projects.
• Experience using AWS technologies (e.g. Redshift, S3, EC2)
• Experience providing technical leadership and mentor other engineers for the best practices on the data engineering space.
• Experience mentoring team members on best practices.

We offer:

• Being part of a growing fintech company named among top 15 European Startups at Money20/20 (Amsterdam) and top 8 Fintech startups at Lendit (London).
• Watch your ideas and actions come to life, launch projects from the ground up, transform finance, and explore a world of opportunity at the speed of financial markets.
• Gain knowledge of the financial industry. You will have an exclusive view into the system that enables Americans to afford houses, cars, and college. You will learn about the participants, terminology, and mathematics behind this sector of the financial markets.

The Benefits:

• Competitive salary + Yearly performance bonus
• Stock Option plan
• Flexible working hours
• Work remotely and choose any of our base offices: Milan, London, or Tirana
• All the latest tech you need

At Cardo AI, we don’t just make things – we make things possible. We solve the most challenging and pressing problems by revolutionizing the way securitizations are managed and reported. Based in Milan, London and Tirana, “We’re kind of flying the plane while we’re building it.” 

We want to build great industry impacting features and have fun doing it. We work together to decide what will give our customers the most value and how to accomplish it. Our most important “attributes” are “Act like an Owner”, “Keep it Simple”, “Disagree and Commit” and “THINK BIG”.

We get excited about our weekly Innovate Cardo AI sessions, our internal investment challenge, and our team events. Next in line, Surfing in Portugal (as soon as Covid-19 allows us to travel!)

Requirements:

• Experience in designing, developing, customizing, configuring, testing, and deploying web applications built in Microsoft-oriented technologies;.
• Strong background in object-oriented development techniques;.
• Solution Design Patterns and Best Practices, e.g. SOA;
• Database skills (design and develop) (preferably SQL Server but not only);
• Experience with code repository source control (Git) and continuous integration practices (Azure DevOps, Jenkins or Bamboo);
• Understanding of Software Development Life Cycle; 
• Interested and experienced in both technology and finance. You have a demonstrated ability to self-motivate and take responsibility for personal growth and development. You’re looking to grow your skills in both disciplines and are excited about the synergies between finance and technology.
• Undergraduate or graduate in Computer Science, Engineering, MIS, or equivalent with working experience in the industry. Note that we’re not anti-dropouts if you’re a superstar;.
• Prior Experience with Agile methodologies;.
• Excellent communication skills; 
• Prior experience in teamwork.
• Experienced in English communication;
• Ambitious, ready to grow and used to continuously work out of your comfort zone.

The daily as a .NET Developer in Cardo AI:

• Utilize established development tools, guidelines and conventions including but not limited to .Net Core, ASP.NET, SQL Server, HTML, CSS, JavaScript, and C#/VB.NET;.
• Prepare and maintain code for various .Net applications and resolve any defects in the systems;.
• Plan and identify areas for modification and improvement;.
• Manage defect tracking systems and resolve all issues and prepare updates for systems;.
• Investigate and develop skills in new technologies;
• Write technical specifications;
• Write test plans (non-functional: unit, integration, infrastructure);
• Monitor the everyday activities of the system and provide the required support.

At Cardo AI, we don’t just make things – we make things possible. We solve the most challenging and pressing problems by revolutionizing the way securitizations are managed and reported. Based in Milan, London and Tirana, “We’re kind of flying the plane while we’re building it.” 

We want to build great industry impacting features and have fun doing it. We work together to decide what will give our customers the most value and how to accomplish it. Our most important “attributes” are “Act like an Owner”, “Keep it Simple”, “Disagree and Commit” and “THINK BIG”.

We get excited about our weekly Innovate Cardo AI sessions, our internal investment challenge, and our team events. Next in line, Surfing in Portugal (as soon as Covid-19 allows us to travel!)

Responsibilities:

• Developing new user interface features using React.js
• Building reusable and tested components
• Translating designs from Product Owners into high quality code
• Optimizing components for maximum performance across a vast array of web-capable devices and browsers
• Coordinate with the rest of the team working on different layers of the infrastructure
• Commitment to collaborative problem solving, sophisticated design, and quality product is important.

Skills:

• Strong proficiency in JavaScript (ES6), including DOM manipulation and the JavaScript object model
• Thorough understanding of React.js and its core principles
• Experience with popular React.js workflows (Redux preferred)
• Experience with designing state management according to best practices
• Familiarity with RESTful APIs
• Knowledge of modern authorization mechanisms, such as JSON Web Token
• Familiarity with modern front-end build pipelines and tools (Git, etc..)
• Experience with common front-end development tools such as Babel, Webpack, NPM, etc.
• Ability to understand business requirements and translate them into technical requirements
• A knack for benchmarking and optimization
• Knowledge on JEST and/or React testing library is preferred

At Cardo AI, we don’t just make things – we make things possible. We solve the most challenging and pressing problems by revolutionizing the way NPL are managed and monitored.

Based in Milan, London and Tirana, “We’re kind of flying the plane while we’re building it.” We want to build great industry impacting features and have fun doing it. We work together to decide what will give our customers the most value and how to accomplish it. Our most important “attributes” are “Act like an Owner”, “Keep it Simple”, “Disagree and Commit” and “THINK BIG”.

We get excited about our weekly Cardo AI strategy sessions, our internal investment challenge, and try to have team events at least twice a year. We have just dived into the freezing water of a blue eye in the Albanian mountains!

You will:

• Contribute in the analysis of client needs and transform them into new features and functionalities of Cardo AI Platform;
• Define KPIs: contribute to the identification of KPIs for NPL transaction and their implementation based on both business and regulatory requirements;
• Identify and develop pricing models
• Draw Functional Requirements. Define requirements of new developments and draw functional documents to guide the work of internal and external development teams;
• Analyze relevant regulations governing NPLs and NPL transactions to define and plan the relevant reporting and compliance related actions;
• Work closely with key stakeholders throughout each stage of the process;
• Propose new ideas both in terms of new software functionalities and algorithms that can provide value to our clients

You are:

· Excited about NPL. You have excellent analytical skills and understanding of the functioning of the NPL processes, reference regulatory frameworks and relevant contractual documentation. You enjoy working with data and you love details, but also stay aware of the big picture while operating across multiple threads of work.

· NPL Analyst. You have at least two-year experience as an NPL Portfolio Manager in a servicer or NPL analyst for an investment fund or any other relevant experience in the sector will be considered.

· Interested and experienced in both technology and finance. You have a solid financial background, willing to grow your coding skills (SQL and Python) and are excited about the synergies between finance and technology.

· You are organized, flexible and problem solving oriented. You have a demonstrated ability to self-motivate and take responsibility for personal growth and development.

· Undergraduate or graduate degree in business, finance or economics. Note that we’re not anti-dropouts if you’re a superstar.

At Cardo AI:

We help institutional investors and credit originators to manage private debt investments, securitizations and RE assets through a next generation technology and data science. Our mission is to bring transparency, efficiency and artificial intelligence in the world’s private debt market. We manage the whole spectrum of private debt products from digital lending, to bank loans, from SME and

consumer loans, to trade receivables and real estate.

Private debt markets are challenging and fragmented: due-diligence, data treatment, risk analysis, reporting and monitoring requires a lot of effort and expertise.

With Cardo AI technology and artificial intelligence algorithms institutional investors, servicers and originators will have one source of truth with standardized and normalized data, single deal transparency, smart allocation system, portfolio creation functionality, reporting and monitoring to external investors and regulatory bodies.

At Cardo AI, we are on a mission to build the best technology empowered by AI algorithms for private market investments.

Our engineers don’t just make things – we make things possible. We provide infrastructure, speed and precision to institutional investors, banks and credit originators in solving the most challenging and complex credit investment problems.

We are looking for a motivated senior software engineer to join our tech team and support Cardo AI’s rapid growth. Typically, you have a deep appreciation for engineering fundamentals. You understand the importance of writing tests, designing systems for long-term maintainability, and evaluating both sides of common engineering considerations. You will lead architectural meetings and take decisions in order to ensure the software which is built is architecturally consistent and of high quality. You will develop using a modern, and latest tech stack that includes Python, Django, Flask, Fast API, Celery, Celery Beat, PostgreSQL, Redis, Kafka, ReactJS, Redux, D3 JS. We continuously evaluate and adopt new open source technologies to solve customer needs, so the skills you develop here will serve you well beyond Cardo AI.

You will work with the product owners to define and prioritize technical tasks. As a coach and mentor for the junior developers you will train, pair-program and help with code reviews. You love, use and advocate best practices like clean code, design patterns, SOLID, KISS, gitflow, etc. You are aware that development is more than simply writing code.

We offer:

• An opportunity to develop software architecture that matters and tackles real challenges of private market investments. Every day, our software is making a difference for our clients, supporting them to do their job better and empowering everyone to make better decisions. We are improving the way private markets are operating.
• You will work in the front-line. Together with product owners, you will be in touch with our clients and our market, understanding their needs and challenges and proposing new ways to solve them.
• A diverse tech stack. We are very eager to see how the tech space is evolving and for this we have developed our microservice architecture to support our tech teams to experiment with new coding languages and frameworks: Go, Java, Scala, Elixir etc.
• Agile development process: Some say they do it, we truly believe in doing it properly! With a wholesome approach to applying the Scrum framework, clear roles and responsibilities, we make sure to give every one of our co-creators a reputable voice on the user stories under their supervision. We don’t skip inclusive planning and are very thorough on our Retrospectives, enabling action to improve the overall experience sprint after sprint, one step at a time.
• A good work life balance. We know that solving big problems can keep you up for long hours, but this is not the way to go. We have assigned a WORK-LIFE balance officer that is responsible for our engineers in finding solutions and avoiding any situation of potential stress and burnout. After all, why do we even bother with Scrum timeboxes?
• Be part of a growing fintech company named as one of the 20 EU scaleups in 2021 and winner of European big data value forum.
• Flexible and Remote Work. Remote opportunities, work from home days, and flexible vacation policies allow everyone to optimize their work-life balance. We are a results oriented business – face- time not required, although you might just want to spend your entire day with our great team. You choose when and where you want to work!
• Team Outings & Events. We bond outside of work over games, happy hours, concerts, chess, play-station, karaoke, the game of mime, volleyball, yoga, and more. We love to organize team retreats in the beach and mountains, and hopefully we will make it to surf in Portugal, once Covid-19 is over.
• An Entrepreneur friendly environment. You can participate in any of our internal initiatives:
• “Intrapreneurship in Cardo AI” – a project where new ideas to launch new products, features or new technologies are proposed by team members and a side development team is created to come to MVP and production stage.
• “Innovation Summit” together with our clients– an internal event where everyone can select ideas to research and present the benefits it will bring to the clients, Cardo AI, or fintech community.
• “Cardo AI Startup Incubator” – we select 2/3 ideas per cohort (first in Q1 ‘22) and everyone that wants to follow any of the startups is free to do so. At the end of the program, both Cardo AI and everyone from our team can invest in the startups, so we all become entrepreneurs.
• Great benefits: We offer a competitive salary and stock option plan to become part of the company. Health Insurance. All the latest tech you need, you just need to ask for it.

At Cardo AI, we don’t just make things – we make things possible. We solve the most challenging and pressing problems by revolutionizing the way private debt investments are managed and reported.

Based in Milan, London and Tirana, “We’re kind of flying the plane while we’re building it.” We want to build great industry impacting features and have fun doing it. We work together to decide what will give our customers the most value and how to accomplish it. Our most important “attributes” are “Act like an Owner”, “Keep it Simple”, “Disagree and Commit” and “THINK BIG”.

We get excited about our weekly Innovate Cardo AI sessions, our internal investment challenge, and our team events. Next in line, Surfing in Portugal 😊 (as soon as Covid-19 allows us to travel!)

Responsibilities

• Developing new user interface features using React.js
• Building reusable and tested components
• Translating designs from Product Owners into high quality code
• Optimizing components for maximum performance across a vast array of web-capable devices and browsers
• Coordinate with the rest of the team working on different layers of the infrastructure
• Commitment to collaborative problem solving, sophisticated design, and quality product is important.

Skills

• Strong proficiency in JavaScript (ES6), including DOM manipulation and the JavaScript object model
• Thorough understanding of React.js and its core principles
• Experience with popular React.js workflows (Redux preferred)
• Experience with designing state management according to best practices
• Familiarity with RESTful APIs
• Knowledge of modern authorization mechanisms, such as JSON Web Token
• Familiarity with modern front-end build pipelines and tools (Git, etc..)
• Experience with common front-end development tools such as Babel, Webpack, NPM, etc.
• Ability to understand business requirements and translate them into technical requirements
• A knack for benchmarking and optimization
• Knowledge on JEST and/or React testing library is preferred

At Cardo AI

We help institutional investors and credit originators manage private debt investments and securitizations through a next generation technology and data science. Our mission is to bring transparency, efficiency and artificial intelligence in the world’s private debt market. We manage the whole spectrum of private debt products from digital lending, to bank loans, from SME and consumer loans, to trade receivables and real estate.

Private debt markets are challenging and fragmented: due-diligence, data treatment, risk analysis, reporting and monitoring requires a lot of effort and expertise.

With Cardo AI technology and artificial intelligence algorithms institutional investors, servicers and originators will have one source of truth with standardized and normalized data, single deal transparency, smart allocation system, portfolio creation functionality, reporting and monitoring to external investors and regulatory bodies.