Credit Risk Data Scientist

We are seeking a talented and experienced Data Scientist with a specialization in credit risk

analysis to join our dynamic team. In this role, you will utilize your strong analytical skills,

statistical expertise, and knowledge of credit risk assessment to drive data-driven

decision-making and contribute to the enhancement of our credit risk management framework.

Responsibilities

● Analyze credit risk data: Conduct comprehensive analysis of credit risk data to identify

patterns, trends, and potential risk exposures. This data includes historical loan

performance, customer behavior, financial statements, external market factors, and other

relevant data sources.

● Model development (optional): Develop and implement advanced statistical and machine

learning models to predict credit risk, evaluate portfolio performance, and assess

potential default rates. This could be both acquisition score-cards and portfolio

score-cards.

● Policy Development and management: Develop credit line management and exposure

management strategies for our lending portfolio, suggest new policies to both expand

and control credit lines so as to manage the overall risk and return of the portfolio.

● Risk assessment and performance monitoring: Monitor credit risk performance and

develop reports and dashboards as needed to provide regular updates to stakeholders.

Identify potential areas of risk and collaborate with cross-functional teams to develop

effective risk mitigation strategies and actions.

● Run experiments: Design and execute A/B tests and other experiments to measure the

effectiveness of marketing campaigns and credit policy changes.

● Collaboration and communication: Collaborate with cross-functional teams to provide

insights and recommendations on credit risk-related matters. Clearly communicate

complex analytical findings to non-technical stakeholders in a clear and concise manner.

Qualifications

● 3-5 years of experience in a related role (credit data analyst and/or data scientist),

preferably within the fintech, credit, or banking industry

● Experience in statistical analysis, predictive modeling, and machine learning

● Experience in credit risk modeling, financial services, or lending analytics is a plus.

● Experience in deploying machine learning models is a plus

● Ability to write SQL queries

● Strong problem-solving skills, attention to detail, and ability to work on multiple projects

simultaneously

● Excellent written and verbal communication skills, with the ability to present findings and

insights to diverse audiences