Data Scientist (Credit Analytics)
Core
Develop, implement, and maintain credit risk models and features to assess, analyze, and mitigate credit risks for the Merchant Cash Advance product.
Role type
Senior IC data scientist (credit risk)
Builds
Production-aligned credit risk models, features, and monitoring tools for the MCA portfolio
Domain
Fintech / Credit Risk
Deliverable
production ML models
Required skills
Statistical modelling, machine learning, predictive analytics, Python, SQL, credit risk model development, model evaluation, business acumen
Preferred skills
SME lending experience, IFRS 9/Basel regulatory frameworks, alternative data sources, cloud platforms (Databricks, BigQuery, Snowflake, AWS, GCP, Azure), Git/Bitbucket
Technologies
Python, SQL, Databricks, BigQuery, Snowflake, AWS, GCP, Azure, Git, Bitbucket
Responsibilities
Develop acquisition scorecards and models for MCA applicants; Build and iterate credit risk features and model inputs; Monitor provision models aligned with regulatory standards; Design and run credit policy experiments; Analyze customer and transactional data to identify risk drivers; Contribute to governance documentation and model monitoring.
Seniority
Senior, hands-on IC
