Senior Data Scientist – Financial Modeling (Lending)

About the Role:

We are looking for a hands-on Data Scientist with deep expertise in credit and lending analytics. You’ll translate traditional financial models built by analysts into scalable, production-grade ML models, moving beyond automated platforms like DataRobot toward custom development and deployment on AWS (SageMaker, Bedrock, etc.).

Must Have Requirements:

• 4–7 years in financial modeling, credit risk, or lending analytics
• Expertise in Python and ML modeling (scikit-learn, XGBoost, etc.), feature engineering (WOE/IV, bureau data), validation (AUC-ROC, R², KS, backtesting), explainability (SHAP, LIME)
• Experience deploying models on AWS (SageMaker, Bedrock, Lambda, S3)
• Proven background in credit modeling, scorecards, PD/LGD/EAD estimation
• Familiarity with Excel-based financial models and the ability to operationalize them
• Prior experience in banks or credit-focused institutions (e.g., Credit Suisse, fintech lenders)
• Experience with US credit data and bureaus (Experian, Equifax, TransUnion)

Nice to Have:

• Experience with MLOps, model governance, and explainability frameworks
• Exposure to DataRobot
• Relevant Master's / PhD degree
• Familiarity with US lending regs (FCRA, ECOA) or IFRS 9 compliance.

Key Skills & Competencies

• Strong analytical and problem-solving skills.
• Ability to translate complex financial models into scalable technical implementations.
• Strong programming skills in Python and machine learning frameworks.
• Good understanding of financial data, lending products, and risk analytics.
• Ability to communicate technical insights clearly to cross-functional stakeholders.
• Comfortable working in a fast-paced, product-driven environment.

Mode

• Remote/Hybrid role
• Candidates must be comfortable working evening hours in India to ensure sufficient overlap with cross-geography (e.g., US-based) teams for collaboration and meetings