We are currently looking to hire experienced core Credit Risk/Underwriting Data Scientist who specialize in building and deployment of core Credit Risk & Underwriting Models, specifically candidates who sit at the point of the lending decision (whether to approve an applicant for a loan, credit card, or mortgage). Given your hands-on experience working with credit bureau attributes and end-to-end model productionization,

your profile
looks like a strong fit for this team. Key Position Details:
• Role: Data Scientist / Senior Data Scientist – Credit Risk
• Company: Incedo
• Locations: Gurugram / Pune / Bangalore / Hyderabad / Chennai (Hybrid)
• Experience Required: 4-10 years
• Hybrid: 4 Days from office in a week
• Must have hands-on experience with:
• Bureau Attributes / Credit Bureau Data: Data from credit agencies (e.g., Experian, Equifax, TransUnion, CIBIL, CRIF High Mark). The candidate must know how to ingest, clean, and engineer features from credit trade-lines, delinquency history, credit inquiries, and utilization metrics.
• PD (Probability of Default) Modeling: Understands bureau attributes understand what PD is and so.



Building statistical/machine learning models to predict the likelihood that a borrower will fail to make payments.
• Productionization / Deployment: End-to-end experience taking an underwriting model from development/validation all the way into a live production scoring pipeline.
• Key Focus Areas:
• End-to-end development and production deployment of Credit Underwriting & Application Scorecards.
• Deep experience with Credit Bureau Data (Experian, Equifax, TransUnion, CIBIL, CRIF, etc.) and feature engineering on bureau attributes.
• Hands-on expertise in Probability of Default (PD) modeling, WoE/IV techniques, and machine learning algorithms (XGBoost, Logistic Regression, etc.). If you are open to exploring current opportunities, I’d love to connect for a quick 10-minute call to discuss the role details and your career goals. Please share your updated resume along with a convenient time to connect, or feel free to reply directly to this email with below details. Name: Total

Experience:
Relevant

Experience:
Current

Location:
Preferred

Location:
Current CTC (Fixed and Variable): Expected CTC: Notice Period: Last working day, if serving notice: Joining Timeline:

📌 Data Scientist (Gurugram)
🏢 Incedo
📍 Gurugram