Credit Data Scientist - Analytics - Experiments - BFSI (5-9 yrs)

Credit Data Scientist & Analytics - Experiments

Minimum Qualifications:

- Bachelor's Degree in a quantitative field (e.g., Data Science, Mathematics, Statistics, Econometrics, Computer Science, Engineering, or Artificial Intelligence)

- 3+ years of work experience developing application, behavioral and collection scorecards for unsecured consumer credit products

- Solid oral and written communication skills, especially around analytical concepts and methods.

- Demonstrated experience collaborating with product managers and backend engineers for the execution and monitoring of tests or decisioning processes

- Lead and mentor: Guide data scientist team members in analyzing complex datasets to extract meaningful customer insights

- Collaborate: Work closely with business analysts to translate data-driven insights into actionable business strategies

- Problem-solving: Strong passion to convert business challenges into modeling opportunities, ensuring alignment with strategic goals

- Model Development: Oversee the full lifecycle of production model development, from conception to implementation, in partnership with ML Ops, Data Engineering, and Engineering teams

- Model Maintenance: Ensure the continuous monitoring and optimization of credit models to maintain effectiveness

- Strategic Testing: Design and execute tests to evaluate customer behavior patterns and validate business hypotheses

- Capability to work effectively under pressure, meeting tight deadlines with proactive, decisive, and adaptable approaches

Preferred Qualifications:

- 3+ years of work experience with Machine Learning or Statistical Modeling

- 3+ years of work experience in data science and Python and SQL programming for data analysis

- Working experience with AWS

- Experience managing projects independently

- Self-motivated with intellectual curiosity

- Proven ability to quickly learn new technologies, concepts, and tools

Responsibilities:

- Collectively build a credit business from the ground up with new, innovative products not yet available in the market

Modeling Independently:

- Design and develop models as standalone products

- Collaborate with risk and business stakeholders to understand objectives

- Collect, process, and transform data

- Investigate new data sources

- Build, demonstrate, measure, and optimize performance end-to-end modeling solutions

Analytical Problem Solving:

- Convert vague contexts and phenomena into structured analytical problems

- Utilize statistical knowledge, machine learning models, and visualization techniques to extract meaningful insights from data related to business goals and strategies

- Design and conduct experiments and A/B testing for measuring business initiatives

- Perform regular testing analysis

Innovation:

- Embrace and adapt to rapid technological and scientific advancements

- Explore advanced tools and information sources to aid the team in understanding and solving problems and maintaining products