Key skills : Data Scientist, Score Card, Python, R, Credit Risk, Banking or NBFC domain is must

Location : Bangalore

Key Responsibilities :

- Develop and maintain credit risk scorecards to predict customer defaults and optimize lending decisions.

- Build and validate predictive models for customer segmentation, risk profiling, and collection prioritization.

- Analyze portfolio performance, delinquency trends, and repayment behaviors to enhance credit strategies.

- Collaborate with credit, collections, and product teams to translate data insights into actionable business decisions.

- Perform feature engineering, data cleaning, and statistical analysis using large, complex datasets.

- Present analytical findings and model outcomes to stakeholders through dashboards and visual reports.

- Ensure compliance with regulatory and internal governance frameworks in model development and deployment.

Required Skills & Competencies :

- Strong experience (5+ years) in data science, risk analytics, or credit modelling within Banking/NBFC/Fintech domains.

- Proficiency in Python, R, SQL, and machine learning libraries (scikit-learn, XGBoost, TensorFlow, etc.

- Solid understanding of credit risk, scorecard development, and collection analytics.

- Experience with data visualization tools (Tableau / Power BI) and statistical modelling techniques.

- Strong business acumen, communication, and stakeholder management skills