Scorecard Developer (Machine Learning Specialist) - Bengaluru
Core
Develop and maintain credit scoring components, calibrations, and feature engineering to support approval and risk strategies across products and markets.
Role type
Machine Learning Specialist (Credit Scoring)
Builds
Credit decisioning solutions, risk signals, and production-ready risk measures for lenders/banks/fintechs.
Domain
Financial Services / Credit Risk
Deliverable
production ML models
Required skills
SQL, Python/R, feature engineering, advanced machine learning concepts (ensemble methods, hyperparameter tuning, cross-validation), PD-to-bad-rate calibration, drift monitoring, data pipeline health checks
Preferred skills
Multi-country portfolio exposure, model risk governance, real-time/batch scoring pipelines, feature stores
Technologies
SQL, Python, R
Responsibilities
Develop and maintain scoring solutions and supporting artefacts for credit decisioning; Own feature engineering for scoring from various data sources; Contribute to model development and tuning using modern ML approaches; Define and maintain feature specifications for production; Produce PD/score calibrations to observed bad rates; Support cut-off/limit strategy analysis; Run ongoing monitoring of drift, stability, and performance; Partner with Engineering/Decisioning teams to operationalise outputs; Maintain clear documentation for internal review/audit
Seniority
Mid-level, hands-on IC
