Credit Risk Data Scientist Job at DCM Infotech Limited

Data Scientist, Credit Risk

We're building a world-class financial product and we need someone to help take ...

Location

Canada

Salary:

140000.00 - 190000.00 CAD / Year

KOHO

Expiration Date

Until further notice

Requirements

5+ years of experience in predictive modelling with demonstrated collaboration across data science, engineering, and product teams
Proven experience developing credit risk models (PD, EAD, LGD) for consumer lending products including credit card, line of credit, overdraft, BNPL, etc.
Expert proficiency in Python and SQL with hands-on experience in feature engineering, model development, validation, and performance analysis
Strong knowledge of statistical modelling techniques, machine learning algorithms, and model deployment in production environments
Experience with MLOps platforms (Sagemaker)
Track record of measuring and optimizing business outcomes of machine learning models in live production systems
Excellent written and verbal communication skills with ability to present complex technical concepts to non-technical stakeholders
Experience with regulatory frameworks and model risk management practices in financial services
Bachelor's or Master's degree in Statistics, Mathematics, Economics, Computer Science, or related quantitative field
Passion for applying data science to improve financial products and enhance customer financial outcomes

Job Responsibility

Design and develop statistical and machine learning models for credit risk parameters (PD, EAD, LGD) across lending products including credit card, line of credit, overdraft, BNPL, etc.
Execute full model development lifecycle from data exploration and feature engineering through validation and deployment
Implement advanced modelling techniques including regression, classification, ensemble methods, and deep learning algorithms
Conduct model performance monitoring, champion-challenger testing, and regulatory compliance validation
Collaborate with Risk Management, Credit, and Product teams to translate business requirements into technical specifications
Create automated dashboards, reports, and ad-hoc analyses to support strategic business decision-making
Document model methodology, results, and insights
Lead model refresh initiatives and back-testing procedures to maintain predictive accuracy and performance

What we offer

Competitive compensation & equity
Fantastic, Deeply Engaged Team
Generous vacation + Wellness days + Flex Days + holiday closure
Remote-first environment + coworking support + yearly all hands retreat
Access to coaching & growth programs
Parental top-up & leave policies
Comprehensive health benefits
Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development

Fulltime

Manager, Data Scientist - Credit Review

Data is at the center of everything we do. As a startup, we disrupted the credit...

Location

United States , McLean, Virginia; Plano, Texas; New York, New York; Richmond, Virginia; Riverwoods, Illinois; Charlotte, North Carolina

Salary:

Not provided

Capital One

Expiration Date

Until further notice

Requirements

A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 6 years of experience performing data analytics
A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 4 years of experience performing data analytics
A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 1 year of experience performing data analytics
At least 1 year of experience leveraging open source programming languages for large scale data analysis
At least 1 year of experience working with machine learning
At least 1 year of experience utilizing relational databases

Job Responsibility

Leverage a broad stack of technologies, such as, Python, Conda, AWS, H2O, Spark, and more, to reveal the insights hidden within huge volumes of numeric and textual data
Build statistical and machine learning models to challenge the models in production
Flex your interpersonal skills to translate the complexity of your work into tangible business goals
Partner with a cross-functional team of data scientists, credit risk experts, and product managers to deliver a product customers love

What we offer

Performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
Comprehensive, competitive, and inclusive set of health, financial and other benefits

Fulltime

Senior Data Scientist - Credit

We build simple yet innovative consumer products and developer APIs that shape h...

Location

United States , New York

Salary:

Not provided

Plaid

Expiration Date

Until further notice

Requirements

5–10 years of experience in data science within the financial services industry
Deep familiarity with SQL and python
Deep understanding of credit risk and the development of underwriting models
Hands on credit expertise building and maintaining actual credit policies for lenders
Knowledge of lending lifecycle and how to optimize each step (marketing, acquisitions, customer management, collections/recoveries)
Demonstrated ability to make data driven decisions

Job Responsibility

Own the process for creating hands on recommendations for incorporating cash flow insights into lending decision using best practice for account level decisioning
Improve customer usage of Plaid insights data through custom analysis adoption specific customer need
Act as a subject matter expert for our credit insights credit policy implementation supporting data science, engineering, Go-to-Market
Applying your expertise in quantitative analysis, data mining, and data visualization to build models and insights
Identifying useful signals that can be fed into machine learning models
Informing and influencing product and engineering teams through your data analysis and presentations

Fulltime

Data Scientist - Risk Analytics

We're looking for a Risk Analyst to join our Fraud & Financial Crime Team. You w...

Location

United Kingdom , London

Salary:

Not provided

Capital on Tap

Expiration Date

Until further notice

Requirements

At least three years of risk analysis experience ideally including credit cards, fraud or fincrime
Highly analytical and comfortable conducting complex analysis using SQL and Python
Exceptional detail orientated, problem solving skills and the ‘can do’ attitude to thrive in a fast paced, high growth environment
Excellent collaboration skills and a natural team player
Strong verbal communication skills including the ability to clearly explain complex concepts to other analysts, business stakeholders and senior leadership
2.1 or above at degree level, preferably in Economics or STEM subject

Job Responsibility

Owning, monitoring and continually optimising our fraud detection rules
Applying advanced analytics to maximise the efficiency and effectiveness of our Financial Crime detection processes
Supporting the launch of new products and balancing the need for robust fraud and financial crime controls whilst maintaining a positive customer experience
Working with external vendors to continually evaluate innovative or alternative products and tools
Proactively championing best use of AI to accelerate delivery of analytical output and as an integral part of our business solutions
Present and actively collaborate with a wide group of business stakeholders including Operations, Credit, Senior Management, and external business partners

What we offer

Private Healthcare including dental and opticians services through Vitality
Worldwide travel insurance through Vitality
Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
Salary Sacrifice Pension Scheme up to 7% match
28 days holiday (plus bank holidays)
Annual Learning and Wellbeing Budget
Enhanced Parental Leave
Cycle to Work Scheme
Season Ticket Loan
6 free therapy sessions per year

Fulltime

Senior Data Scientist, AI & Model Risk

It all started with an idea at Block in 2013. Initially built to take the pain o...

Location

United States , Bay Area

Salary:

139000.00 - 225000.00 USD / Year

Cash App

Expiration Date

Until further notice

Requirements

A minimum of 5 years of related experience with a Bachelor’s degree in a quantitative field
or 3 years and a Master’s degree
or a PhD without experience
or equivalent work experience in risk management, model risk management, or AI risk management
Proficiency in Python or similar languages for evaluating AI system behavior, writing test scripts, or analyzing model outputs
Strong understanding of generative AI architectures
Including LLMs, transformer models, RAG systems, and agentic AI, plus hands-on experience interacting with and critically evaluating these systems, sufficient to assess design decisions, output quality, and limitations
Understanding of interagency model risk management principles, including SR 26-2
Knowledge of AI testing methodologies, ex. functional testing, bias testing, adversarial testing, and performance monitoring plus familiarity with data privacy and security principles (encryption, access controls, data classification)
Excellent written and verbal communication and the ability to translate complex technical AI concepts for non-technical stakeholders, senior management, and regulators

Job Responsibility

Lead end-to-end AI Risk Assessments for generative AI and LLM use cases across the Bank
Embedding in Block's enterprise-wide GenAI review process, coordinating cross-functional SMEs (Legal, Compliance, InfoSec, Data Governance, MRM, ERM, BRC, TPRM, Financial Crimes), and managing timelines to ensure reviews are completed within SLA
Review AI system design and documentation
Including retrieval sources, assumptions, limitations, fallback plans, guardrail configurations, and change management procedures — across banking use cases such as fraud detection, BSA/AML compliance, credit decisioning, and customer-facing applications, ensuring governance controls are commensurate with each use case's risk profile
Assess pre-deployment testing for adequacy inclusive of output integrity, hallucination detection, boundary and edge case testing, ethical and safety guardrails, bias testing, A/B testing, volume testing, and UAT — designing and conducting independent testing as needed
Evaluate ongoing monitoring plans for comprehensiveness - including accuracy, hallucination rates, drift detection, sensitive data controls, reliability metrics, CSAT, acceptable performance ranges, and documented remediation procedures
Develop and maintain templates, tools, and procedures to support the effectiveness and scalability of the AI Risk Governance Program
Monitor the evolving regulatory landscape for AI in banking — including FFIEC IT Examination Handbook standards, FDIC Financial Institution Letters, interagency statements, and the anticipated RFI on AI model risk management referenced in SR 26-2 — and incorporate emerging guidance into the AI risk governance program
support SFS's response to regulatory inquiries as needed

What we offer

Remote work
medical insurance
flexible time off
retirement savings plans
modern family planning

Fulltime

Senior Data Scientist, AI & Model Risk

It all started with an idea at Block in 2013. Initially built to take the pain o...

Location

United States , New York

Salary:

139000.00 - 225000.00 USD / Year

Cash App

Expiration Date

Until further notice

Requirements

A minimum of 5 years of related experience with a Bachelor’s degree in a quantitative field
or 3 years and a Master’s degree
or a PhD without experience
or equivalent work experience in risk management, model risk management, or AI risk management
Proficiency in Python or similar languages for evaluating AI system behavior, writing test scripts, or analyzing model outputs
Strong understanding of generative AI architectures
Including LLMs, transformer models, RAG systems, and agentic AI, plus hands-on experience interacting with and critically evaluating these systems, sufficient to assess design decisions, output quality, and limitations
Understanding of interagency model risk management principles, including SR 26-2
Knowledge of AI testing methodologies, ex. functional testing, bias testing, adversarial testing, and performance monitoring plus familiarity with data privacy and security principles (encryption, access controls, data classification)
Excellent written and verbal communication and the ability to translate complex technical AI concepts for non-technical stakeholders, senior management, and regulators

Job Responsibility

Lead end-to-end AI Risk Assessments for generative AI and LLM use cases across the Bank
Embedding in Block's enterprise-wide GenAI review process, coordinating cross-functional SMEs (Legal, Compliance, InfoSec, Data Governance, MRM, ERM, BRC, TPRM, Financial Crimes), and managing timelines to ensure reviews are completed within SLA
Review AI system design and documentation
Including retrieval sources, assumptions, limitations, fallback plans, guardrail configurations, and change management procedures — across banking use cases such as fraud detection, BSA/AML compliance, credit decisioning, and customer-facing applications, ensuring governance controls are commensurate with each use case's risk profile
Assess pre-deployment testing for adequacy inclusive of output integrity, hallucination detection, boundary and edge case testing, ethical and safety guardrails, bias testing, A/B testing, volume testing, and UAT — designing and conducting independent testing as needed
Evaluate ongoing monitoring plans for comprehensiveness - including accuracy, hallucination rates, drift detection, sensitive data controls, reliability metrics, CSAT, acceptable performance ranges, and documented remediation procedures
Develop and maintain templates, tools, and procedures to support the effectiveness and scalability of the AI Risk Governance Program
Monitor the evolving regulatory landscape for AI in banking — including FFIEC IT Examination Handbook standards, FDIC Financial Institution Letters, interagency statements, and the anticipated RFI on AI model risk management referenced in SR 26-2 — and incorporate emerging guidance into the AI risk governance program
support SFS's response to regulatory inquiries as needed

What we offer

Remote work
medical insurance
flexible time off
retirement savings plans
modern family planning

Fulltime

Senior Data Scientist - Cards and Credit

At Mercury, we’re building the future of financial infrastructure for startups a...

Location

United States; Canada , San Francisco; New York; Portland

Salary:

200700.00 - 250900.00 USD / Year

Mercury

Expiration Date

Until further notice

Requirements

7+ years of experience working with large datasets to drive product or business impact in data science or analytics roles
Fluent in SQL
Comfortable with python
Strong judgment in defining and analyzing product metrics, running experiments, and translating ambiguous questions into structured analyses
Exceptional proactivity and independence — identifying opportunities, forming strong points of view, and making your case to stakeholders
Experienced with modern analytics and data modeling stacks (e.g., dbt, dimensional models), with a solid understanding of how data is produced and consumed
Apply AI tools to accelerate analytical and business workflows, improving scalability, decision quality, and reducing manual or repetitive work across teams

Job Responsibility

Bring impeccable communication and complete ownership — independently identifying opportunities, developing strong points of view, and influencing executives, Cards & Credit leaders, and cross-functional partners through clear, concise, and persuasive storytelling
Develop a nuanced understanding of cardholder behavior and economics, helping teams reason about tradeoffs between growth, engagement, risk, and unit economics
Define, own, and analyze metrics that inform both tactical decisions and long-term strategy across the cards and credit lifecycle (e.g., eligibility, activation, spend, utilization, rewards, retention, loss signals)
Design and evaluate experiments using rigorous statistical approaches, including A/B testing, cohort analysis, causal inference techniques, and trend analysis
Build and improve data pipelines and tools to streamline data collection, processing, and analysis workflows, ensuring the integrity, reliability, and security of data assets

What we offer

Equity (stock options)
Benefits

Fulltime

Data Scientist - AVP-Acq. Credit Strategy

Embark on a transformative journey as "Data scientist - AVP-Acq. Credit Strategy...

Location

India , Gurugram

Salary:

Not provided

Barclays

Expiration Date

Until further notice

Requirements

Strong knowledge of Python, SAS/SQL, AI tools or other relevant statistical tools, powerpoint and Excel
Analytical experience in financial services industry
credit card acquisitions experience preferred
Strong communication skills & ability to work independently
Attention to detail
Ability to work with multiple stakeholders
Project management skills
Ability to thrive in a dynamic and fast paced environment

Job Responsibility

Identification, collection, extraction of data from various sources, including internal and external sources
Performing data cleaning, wrangling, and transformation to ensure its quality and suitability for analysis
Development and maintenance of efficient data pipelines for automated data acquisition and processing
Design and conduct of statistical and machine learning models to analyse patterns, trends, and relationships in the data
Development and implementation of predictive models to forecast future outcomes and identify potential risks and opportunities
Collaborate with business stakeholders to seek out opportunities to add value from data through Data Science

What we offer

Wellness rooms
On-site cafeterias
Fitness centers
Tech-equipped workstations
Gyms
Mental health support
Inclusive culture
Collaborative areas
Socialising
Sports

Fulltime

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Credit Risk Data Scientist

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