Data Scientist
Core
Build predictive models for credit acquisition, portfolio management, collections, fraud, and rewards to improve customer selection, risk allocation, and personalization.
Role type
Senior hands-on individual contributor data scientist
Builds
Production ML models for financial decision-making
Domain
Fintech / Consumer lending / Credit risk
Deliverable
production ML models
Required skills
Python, SQL, predictive modelling, feature engineering, model validation, model monitoring, statistical evaluation, commercial acumen, ambiguity handling, end-to-end ownership
Preferred skills
Consumer lending, credit cards, fraud, fintech, bureau data, behavioural credit models, collections models, transaction data, fraud detection, customer recommendation systems
Technologies
Python, SQL
Responsibilities
Develop and improve acquisition models for applicant risk and value; Build behavioural models for portfolio management; Improve collections strategy through prediction; Build fraud detection models; Use ML to optimize rewards; Own the full modelling lifecycle from hypothesis to production; Identify new data sources to improve models; Build model monitoring and validation frameworks; Explain complex modelling to non-technical stakeholders; Help establish data science standards and practices
Seniority
Senior, hands-on IC
