Job Description
Role Summary
Hands-on data scientist on the data science and model development team, focused on building the machine learning and statistical models that power our consumer lending decisions. You will develop credit risk models for underwriting and portfolio risk decisioning, as well as models across fraud risk, marketing
response and propensity, customer lifecycle management, collections prioritization, account management,
and pricing, line, and offer optimization. You will execute and influence the model roadmap set with
business partners, owning the technical craft of individual models end to end: framing the problem,
engineering features, training and validating models, documenting your work for model risk review, and
shipping models that hold up in production. You turn data into reliable, well-governed models and translate their outputs into transparent recommendations for the partners who own credit, fraud, marketing, and collections strategy.

Key Responsibilities
• Develop, validate, and maintain credit risk models for underwriting and portfolio risk decisioning




(scorecards, PD/loss and other supervised ML and statistical models)
• Build and support models across additional lending decisioning use cases as prioritized by business
partners, including fraud risk, marketing/propensity, customer lifecycle, collections prioritization,
account management, and pricing/line/offer optimization
• Own the hands-on model lifecycle for your work: problem framing, exploratory analysis, feature
engineering, model development, validation-ready documentation, and post-deployment monitoring
• Engineer features and evaluate alternative and third-party data sources (bureau, alternative credit, cash
flow/bank, device, and identity signals), quantifying lift, stability, cost, and compliance trade-offs
• Produce thorough model documentation and support model risk management and governance through
validation, audit, and review cycles
• Monitor model performance, drift, an

📌 Senior Data Scientist (India)
🏢 Applied Data Finance
📍 India