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Data Scientist (Risk & Compliance) Salary in Portugal 2026: €43K Median & Range

+7.6% YoYMarket research summary
  • Risk analytics, fraud prevention and production ML support healthy demand in regulated sectors.
  • Built from Glassdoor Portugal Lisbon data scientist data, Hays Portugal data scientist range and Michael Page Portugal IT study
  • Lisbon is the base market.
  • Porto is set below Lisbon using Michael Page Portugal Lisbon vs Porto bands and Glassdoor city data.
  • Coimbra is set below Porto using Glassdoor Coimbra senior engineer data and INE regional wage gaps.

What does a Data Scientist (Risk & Compliance) earn in Portugal?

The median Data Scientist (Risk & Compliance) salary in Portugal is €43K in 2026, with a typical range from €41K to €46K. Pay has moved +7.6% year-on-year. Lisbon currently leads city pay at €49K. This is base salary for permanent employees.

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

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.

€43K

national median per year

+7.6% year on year

€43K
€33K€55K
Low
€33K
P25
€41K
Median
€43K
P75
€46K
High
€55K

High evidence · Portugal annual benchmark · 2026 data · How we check our numbers

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 €32K, rising 138% to €76K at lead or principal level.

Junior

€32K

€32K-€32K middle band

Mid-level

€45K

€45K-€45K middle band

Senior

€60K

€60K-€60K middle band

Principal/Lead

€76K

€76K-€76K 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 €43K 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

Data Scientist (Risk & Compliance) Salary in Braga, Coimbra, Porto and Lisbon

How much does a Data Scientist (Risk & Compliance) earn by city in Portugal?

Data Scientist (Risk & Compliance) salary varies meaningfully by location. Lisbon pays the most at €49K (14% above the national benchmark), while Coimbra sits at €40K (7% below the national benchmark). Location is worth factoring into any offer negotiation.

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

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

Entry

Take-home/year

27 992 €

Effective rate

31.7%

Median

Take-home/year

29 124 €

Effective rate

32.3%

Senior

Take-home/year

30 862 €

Effective rate

32.9%

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.

Contract day rates available for this role

Median €333/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.
  • Built from Glassdoor Portugal Lisbon data scientist data, Hays Portugal data scientist range and Michael Page Portugal IT study
  • Lisbon is the base market.
  • Porto is set below Lisbon using Michael Page Portugal Lisbon vs Porto bands and Glassdoor city data.
  • Coimbra is set below Porto using Glassdoor Coimbra senior engineer data and INE regional wage gaps.

Contract break-even

What day rate beats a €43K Data Scientist (Risk & Compliance) salary after tax?

Break-even day rate

€181/day

to match €43K permanent net

Permanent net take-home

€29,124/yr

€43K 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)

High Confidence

Demand level

Medium

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

Top hiring locations

LisbonPortoBragaCoimbra

Career outlook

Positive market outlook

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

Compare this role

Put the Data Scientist (Risk & Compliance) benchmark in context

Compare adjacent roles, employer estimates, published agency guides, and an offer against the market before you make a decision.

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

Data Scientist (Risk & Compliance)s in Portugal earn a median salary of €43K in 2026, with a typical range from €41K at the 25th percentile to €46K at the 75th percentile. This benchmark reflects published market compensation data for annual pay across the Portugal market.

Lisbon currently leads city pay at €49K, which is 14% above the national benchmark. City coverage for this role includes Braga, Coimbra, Porto, Lisbon, helping you compare local pay differences without needing separate city-role pages.

At experience level, entry roles start around €32K, senior roles sit near €60K, and lead-level roles reach about €76K. 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 €43K in 2026. The typical range runs from €41K at the 25th percentile to €46K 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. Lisbon leads at €49K (+14% vs the national benchmark), while Coimbra sits at €40K. 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 €43K 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 €76K, compared to €32K at entry level. Seniority is the strongest single driver of pay in this role.

6

Is a €43K 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 €43K is approximately 24 419 € per year, compared to 29 124 € net without any commute. The commute costs 4705 € per year in direct expenses and lost time. A fully remote role paying 34 400 € would leave you equally well off.

7

What remote salary is equivalent to a €43K 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 34 400 € to match the true net value of a €43K hybrid Data Scientist (Risk & Compliance) role in Portugal. For a 5-day fully in-office role, the break-even remote salary rises to 29 500 €, 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 €43K salary (24 €/hr), that time is worth 3225 € 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 €43K, each additional day in the office costs roughly 1435 € 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

What day rate do you need to earn more than a Data Scientist (Risk & Compliance) permanent salary in Portugal?

A Data Scientist (Risk & Compliance) earning €43K permanently takes home approximately €29,124 per year after tax in Portugal. As a recibos verdes contractor at 220 billable days, you need a day rate of at least €181/day to match that net income. Anything above that rate puts more money in your pocket compared to the permanent equivalent. Use the PT Take-Home Calculator at /pt/calculators/pt-take-home-calculator for a full breakdown.

11

Is contracting more profitable than a permanent Data Scientist (Risk & Compliance) role in Portugal?

Whether contracting beats permanent pay for a Data Scientist (Risk & Compliance) in Portugal depends entirely on the day rate you can command. The break-even rate is approximately €181/day (220 working days, recibos verdes), which is the minimum required to match the €43K median permanent net take-home of €29,124 per year. Day rates above this produce a higher net income; rates below it mean the permanent role pays more after tax.

12

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

This benchmark is derived from verified market compensation data and is rated High 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.

13

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.

14

What should employers and candidates take from this benchmark?

Candidates should compare offers against the €41K-€46K middle-market band, while employers should treat €43K 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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