Data Scientist ( Lending & Risk Domain )

We are looking for a Data Scientist with strong experience in lending (Banking/NBFC) and risk analytics.

Role & responsibilities

• Build ML models for credit risk, behavioral risk, fraud detection, and loan prediction.
• Work with bureau data, bank statements, transactional data, and repayment history.
• Develop risk scorecards, PD/LGD/EAD models, and early warning systems.
• Perform data preparation, feature engineering, model training, validation, and monitoring.
• Deploy ML models via Python-based APIs (Flask).
• Ensure model explainability and compliance with regulatory requirements

Technical Skills:

• 2-6 years of experience in Python, data science, and ML development.
• Strong understanding of ML techniques including classification, regression, optimization, and time-series modeling.
• Hands-on experience with vector-based search, semantic similarity models, or embedding-based ML techniques (optional but desirable).
• Familiarity with transformer-based NLP models (for text classification or document understanding).
• Experience building APIs using Flask or similar frameworks.
• Prior experience in Banking, Financial Services, or NBFC domain.
• Strong understanding of:
• Credit underwriting
• Credit risk modeling (PD, LGD, EAD)
• Loan performance forecasting
• Collections strategy and early warning signals (EWS)
• Experience working with risk analytics datasets and regulatory-compliant model development.