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 robust 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 new 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.

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Joining Timeline:

📌 Data Scientist (Gurugram)
🏢 Incedo
📍 Gurugram