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Data Scientist (Risk & Compliance) Salary in Portugal 2026: Benchmarks, Range & Skills

+7.6% YoYMarket research summary
  • Risk analytics, fraud prevention and production ML support healthy demand in regulated sectors.
  • Banking and insurance back-offices relocating risk analytics to Lisbon are keeping this niche in short supply

The median Data Scientist (Risk & Compliance) salary in Portugal is €48K in 2026, with a typical range from €48K to €49K. Pay has moved +7.6% year-on-year. Porto currently leads city pay at €52K. This is base salary for permanent employees. Contracting instead? See day rates for this role below.

What does A Data Scientist (Risk & Compliance) do?

A Data Scientist (Risk & Compliance) is responsible for building statistical and machine-learning models for credit risk, fraud detection, and regulatory compliance monitoring within a bank or fintech.

Day-to-day responsibilities

  • Building and validating credit-risk or fraud-detection models
  • Running model performance monitoring
  • Documenting models for regulatory review
  • Working with compliance teams on model explainability requirements
Medium demand+18% Credit risk / fraud modelling+14% Model validation & explainability+11% Regulatory model documentation

National Median Salary

€48K

per year

Portugal annual benchmark • 2026

Salary Range (P25 – P75)

€48K
€41K€55K

Data quality & confidence

Confidence Score

66%

YoY Momentum

+7.6%

Median salary benchmark

€48K

annual - 2026

Typical salary range

€48K-€49K

25th-75th percentile

Year-on-year pay movement

+7.6%

from market research

Forward pay outlook

€52K

Forecasted market posture

Permanent Salary Benchmark for Data Scientist (Risk & Compliance)

Permanent salary benchmarks for Data Scientist (Risk & Compliance) in Portugal, from the low end to the top of the range, based on published market compensation data.

€48K
€41K€55K

Low

€41K

P25

€48K

Median

€48K

P75

€49K

High

€55K

Data Scientist (Risk & Compliance) Take-Home Pay in Portugal (2026)

After IRS Income Tax & Social Security · single, standard payroll deductions

Entry

Take-home/year

32 021 €

Effective rate

33.3%

Median

Take-home/year

32 021 €

Effective rate

33.3%

Senior

Take-home/year

32 557 €

Effective rate

33.6%

See the full band-by-band breakdown for Data Scientist (Risk & Compliance)

Adjust for your actual salary, see each IRS Income Tax and Social Security contributions band, and get monthly and weekly figures.

Is a Data Scientist (Risk & Compliance) hybrid salary worth the commute?

3-day/week office schedule · typical Portuguese commute assumptions

Break-even remote salary

39 100 €

minimum to match €48K hybrid

Annual commute impact

5080 €

costs + time value lost

Hours commuting/year

135 hrs

at 60 min/day, 3 days/wk

See the full break-even analysis for Data Scientist (Risk & Compliance)

Adjust commute costs, compare any two salaries, and find the exact remote salary you need.

Remote vs hybrid analysis

Data Scientist (Risk & Compliance) market demand in Portugal

Hiring outlook · remote rate · top employers

Hiring outlook

Growing

Remote / hybrid

32%

of roles offer remote or hybrid

Salary growth (YoY)

+7.6%

market is paying more

Top hirers:
Novo BancoFeedzaiTalkdeskOutSystemsFarfetch

Full market demand breakdown for Data Scientist (Risk & Compliance)

Hiring drivers, remote rate detail, full employer list, and demand FAQs for Portugal.

Market demand guide

Contract day rates available for this role

Median €339/day, see full breakdown, city rates, and take-home calculator

View Data Scientist (Risk & Compliance) day rates →
  • Risk analytics, fraud prevention and production ML support healthy demand in regulated sectors.
  • Banking and insurance back-offices relocating risk analytics to Lisbon are keeping this niche in short supply

Contract break-even

What day rate beats a €48K Data Scientist (Risk & Compliance) salary after tax?

Break-even day rate

€203/day

to match 48K permanent net

Permanent net take-home

€32,021/yr

48K gross, 2026 IRS rates

Recibos verdes, 220 days, simplified regime, 21.4% Social Security. Net figures are estimates; use the calculators for exact results.

Market Demand & Outlook

Hiring demand, top locations, and career outlook for Data Scientist (Risk & Compliance)

Moderate Confidence

Demand level

Medium

Based on hiring signals relative to similar roles in this market.

Top hiring locations

LisbonPortoCoimbraBraga

Career outlook

Positive market outlook

Data Scientist (Risk & Compliance) compensation is trending upward, supported by a +7.6% salary movement signal.

Data Scientist (Risk & Compliance) Salary by Seniority Level

Seniority is the biggest single driver of Data Scientist (Risk & Compliance) pay in Portugal. Entry-level roles start at €33K, rising 145% to €81K at lead or principal level.

Junior

€33K

€33K-€33K middle band

Mid-level

€48K

€48K-€48K middle band

Senior

€64K

€64K-€64K middle band

Principal/Lead

€81K

€81K-€81K middle band

Skills That Command a Premium for Data Scientist (Risk & Compliance)s

Certain technical skills push Data Scientist (Risk & Compliance) salaries in Portugal significantly above the €48K median. These are the most impactful skills to develop or highlight when negotiating.

Credit risk / fraud modelling

+18%

salary premium vs median

Model validation & explainability

+14%

salary premium vs median

Regulatory model documentation

+11%

salary premium vs median

How Much Does a Data Scientist (Risk & Compliance) Earn by City in Portugal?

Data Scientist (Risk & Compliance) salary varies meaningfully by location. Porto commands a +8% premium over the national benchmark (€52K), while Braga sits -21% at €38K. Location is worth factoring into any offer negotiation.

How does Data Scientist (Risk & Compliance) pay compare to similar roles?

Why Data Scientist (Risk & Compliance) Salaries Are at This Level

Data Scientist (Risk & Compliance)s in Portugal earn a median salary of €48K in 2026, with a typical range from €48K at the 25th percentile to €49K at the 75th percentile. This benchmark reflects published market compensation data for annual pay across the Portugal market.

Porto currently leads city pay at €52K, which is 8% above the national benchmark. City coverage for this role includes Lisbon, Porto, Coimbra, Braga, helping you compare local pay differences without needing separate city-role pages.

At experience level, entry roles start around €33K, senior roles sit near €64K, and lead-level roles reach about €81K. Demand is currently moderate for this role based on recent coverage and salary momentum signals.

Frequently Asked Questions About Data Scientist (Risk & Compliance) Salary in Portugal

1

What is the median Data Scientist (Risk & Compliance) salary in Portugal?

The median Data Scientist (Risk & Compliance) salary in Portugal is €48K in 2026. The typical range runs from €48K at the 25th percentile to €49K at the 75th percentile, based on published market compensation data.

2

Is Data Scientist (Risk & Compliance) salary increasing in Portugal?

Data Scientist (Risk & Compliance) salaries have moved +7.6% year-on-year in Portugal.

3

How does Data Scientist (Risk & Compliance) salary vary by city in Portugal?

Data Scientist (Risk & Compliance) salaries vary across Portugal. Porto leads at €52K (+8% vs the national benchmark), while Braga sits at €38K. Use the city breakdown above to compare all locations.

4

What does a Data Scientist (Risk & Compliance) take home after tax in Portugal?

A Data Scientist (Risk & Compliance) earning the median €48K gross in Portugal will take home a net amount after income tax and other deductions. Use the PayMetric Labs take-home calculator on this page for an exact breakdown by tax band.

5

What experience level earns the most as a Data Scientist (Risk & Compliance) in Portugal?

Principal/Lead-level Data Scientist (Risk & Compliance)s in Portugal earn the most, with a median of €81K, compared to €33K at entry level. Seniority is the strongest single driver of pay in this role.

6

Is a €48K Data Scientist (Risk & Compliance) hybrid role worth the commute in Portugal?

On a 3-day hybrid schedule with a typical Portuguese commute (2 €/day travel, 60-minute round trip, daily meal premium, annual wardrobe costs), your true net income at €48K is approximately 26 941 € per year, compared to 32 021 € net without any commute. The commute costs 5080 € per year in direct expenses and lost time. A fully remote role paying 39 100 € would leave you equally well off.

7

What remote salary is equivalent to a €48K hybrid Data Scientist (Risk & Compliance) salary in Portugal?

Assuming a 3-day hybrid schedule with typical commute costs, you would need a remote salary of at least 39 100 € to match the true net value of a €48K hybrid Data Scientist (Risk & Compliance) role in Portugal. For a 5-day fully in-office role, the break-even remote salary rises to 33 400 €, as the higher office frequency increases travel, meal, and time costs significantly.

8

How many hours per year does a Data Scientist (Risk & Compliance) in Portugal spend commuting?

On a 3-day hybrid schedule with a 60-minute round trip, a Data Scientist (Risk & Compliance) in Portugal spends approximately 135 hours commuting per year, equivalent to 17 full working days. Valued at the implied hourly rate for a €48K salary (27 €/hr), that time is worth 3600 € annually.

9

How does the 2026 Return to Office trend affect Data Scientist (Risk & Compliance) compensation in Portugal?

As more employers in Portugal reintroduce hybrid or full in-office mandates in 2026, the true value of a Data Scientist (Risk & Compliance) salary depends increasingly on the number of required office days. At €48K, each additional day in the office costs roughly 1560 € per year in direct and time costs (moving from 3 to 5 days). Candidates evaluating offers should compare true net income rather than gross salary alone.

10

How reliable is this Data Scientist (Risk & Compliance) salary benchmark?

This benchmark is derived from verified market compensation data and is rated Moderate Confidence. High Confidence means the benchmark is corroborated across independent sources and is citation-ready. Moderate Confidence is directional context while coverage is still building. Limited Market Data means early signals only.

11

Is Data Scientist (Risk & Compliance) pay increasing?

An indicative year-over-year signal of +7.6% is available from the latest market research for this role. This figure is directional market research rather than a matched prior-year observation in our own dataset.

12

What should employers and candidates take from this benchmark?

Candidates should compare offers against the €48K-€49K middle-market band, while employers should treat €48K as the current market midpoint for this role.

Compare Data Scientist (Risk & Compliance) pay in another market

The same role has published benchmarks in these markets. Open each local page for its salary range, tax context, and city detail.

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