Credit Data Scientist (Credit Analytics) - Bengaluru
Core
Use data, feature engineering, and experimentation to improve credit decisioning and portfolio performance across lending products.
Role type
Mid-level IC credit data scientist
Builds
Production-aligned credit risk features and predictive models for lending
Domain
Financial services / Credit risk
Deliverable
production ML models
Required skills
Python, SQL, statistics, predictive model evaluation, machine learning (ensemble methods, cross-validation), feature engineering, data quality checks
Preferred skills
bureau data analysis, open banking data, model monitoring, cloud analytics stacks (BigQuery/Snowflake/Databricks), Git
Technologies
Python, R, SQL, BigQuery, Snowflake, Databricks, Git
Responsibilities
Analyse customer, bureau, and transactional data to identify risk drivers; Build and iterate credit risk features and model inputs; Design and evaluate credit policy experiments; Develop monitoring for model/policy performance and feature health; Support portfolio analytics (vintage analysis, roll-rates, loss drivers); Improve data definitions and reproducible pipelines
Seniority
Mid-level, hands-on IC