CrawlJobs Logo

Credit Risk Data Scientist

DCM Infotech Limited

Location Icon

Location:
India

Category Icon
Category:
IT - Software Development

Job Type Icon

Contract Type:
Not provided

Salary Icon

Salary:

Not provided
Save Job
Save Icon
Apply Position

Job Description:

We are seeking a highly analytical and detail-oriented Credit Risk Data Scientist to join our Risk Analytics team. In this role, you will be responsible for developing and deploying statistical and machine learning models to assess and manage credit risk across our portfolio. Your work will directly influence lending decisions, risk strategies, and overall business performance.

Job Responsibility:

  • Develop, validate, and monitor credit risk models (e.g., PD, LGD, EAD) using statistical and machine learning techniques
  • Analyze large datasets to identify patterns, trends, and risk indicators
  • Support the design and implementation of risk scoring models for underwriting, collections, and portfolio monitoring
  • Work closely with cross-functional teams (Credit, Product, Finance, Compliance) to align risk models with business objectives
  • Use tools like Python, R, SQL, SAS, and Spark for data analysis and model development
  • Perform model validation, backtesting, and sensitivity analysis to ensure robustness and regulatory compliance
  • Prepare detailed documentation for models to meet internal governance and regulatory standards (e.g., SR 11-7, Basel, IFRS 9, CCAR)
  • Monitor performance of deployed models and recommend enhancements as needed
  • Communicate complex analytical concepts and risk metrics to both technical and non-technical stakeholders

Requirements:

  • Master’s or PhD in Statistics, Data Science, Economics, Finance, Mathematics, or related field
  • 8+ years of experience in credit risk modeling or analytics
  • Proficiency in Python, R, SQL, and statistical modeling tools
  • Experience with machine learning algorithms and large-scale data processing
  • Strong understanding of credit lifecycle, risk metrics, and financial products (e.g., personal loans, credit cards, mortgages)
  • Strong analytical thinking and problem-solving skills
  • Ability to communicate insights clearly to non-technical stakeholders
  • Detail-oriented with a high standard of data integrity and accuracy
  • Comfortable working in a fast-paced, agile environment

Nice to have:

  • Experience with regulatory requirements such as Basel II/III, IFRS 9, CCAR, SR 11-7
  • Background in consumer or commercial lending
  • Experience with cloud platforms (AWS, GCP, Azure) and big data tools like Hadoop or Spark
  • Knowledge of BI tools (e.g., Tableau, Power BI) for dashboarding and visualization

Additional Information:

Job Posted:
February 19, 2026

Work Type:
Remote work
Icon
DCM Infotech Limited - All Job Offers
Job Link Share:
Copy Link Icon
Facebook Icon Twitter Icon LinkedIn Icon

Looking for more opportunities? Search for other job offers that match your skills and interests.

Briefcase Icon

Similar Jobs for Credit Risk Data Scientist

Lead Data Scientist

Prism is seeking a Lead Data Scientist who will make high-impact, hands-on contr...
Location
Location
United States , NYC or San Diego (La Jolla/UTC)
Salary
Salary:
140000.00 - 160000.00 USD / Year
prismdata.com Logo
Prism Data
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor’s degree in Statistics, Data Science, Math, Industrial Engineering, or similar quantitative discipline required
  • 4+ years of experience as a Data Scientist or Statistician, preferably in credit risk or financial services
  • Research & development of new attributes, models, decision strategies, and/or analytic capabilities
  • Customer-facing testing of data or analytic solutions (e.g., credit risk scores, alternative data, fraud prevention, etc.)
  • Collaboration with business teams to understand and address business problems
  • Modeling experience in the latest AI and machine learning approaches
  • Mastery of rudimentary modeling approaches (e.g., regression, decision trees)
  • Knowledge of data labeling/categorization, feature development and selection, model design and training, testing, coding, implementation, monitoring, and governance
  • Financial services industry data expertise, including types of data sources applicable to different types of business decisions based on regulatory factors
  • Experience evaluating alternative statistical approaches, including review of academic papers on new techniques and ideas, and justifying which approach is best suited for which problems and why
Job Responsibility
Job Responsibility
  • Maintain and advance existing analytical product suite
  • Enhance core cash flow underwriting offerings as new data elements become available
  • Develop next-generation versions of products to boost stability, predictive accuracy, and relevancy to emerging use cases
  • Develop new products for new market opportunities using novel data assets
  • Demonstrate best practices in transparent modeling approaches to enable easy client adoption
  • Support sales, revenue attainment, and thought leadership
  • Conduct proof of concept analyses of the efficacy of Prism products in the context of clients’ business problems, and present results and insights
  • Support new and existing clients by guiding them on score cutoffs and the use of powerful custom attribute sets for their business
  • Educate clients on technical product knowledge
  • Contribute analysis to thought leadership content delivered by Prism executives in white papers and industry conferences
What we offer
What we offer
  • medical
  • dental
  • vision
  • 401(k)
  • equity-based compensation
  • Fulltime
Read More
Arrow Right

Sr Data Scientist

We are offering an exciting opportunity for a Sr Data Scientist based in Plano, ...
Location
Location
United States , Plano
Salary
Salary:
Not provided
https://www.roberthalf.com Logo
Robert Half
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Proficiency in Data Mining Techniques
  • Must possess a deep understanding of Budget Processes
  • Should be highly skilled in Quantitative Analysis
  • Experience in Financial Modeling is highly desirable
  • Knowledge of SQL is a must
  • Proficiency in SAS is required
  • Must be adept at using Excel
  • Experience with Access is necessary
Job Responsibility
Job Responsibility
  • Apply advanced statistical analytics to assess future risks, opportunities, and effectiveness, translating results into solutions enhancing decision-making
  • Manage analytics regarding loan performance, including delinquency and credit losses, identify key drivers, and develop forecast expectations
  • Conduct innovative research projects, encapsulating project design, data collection and analysis, summarization of findings, and presentation of results
  • Utilize your skills in SQL, SAS, Excel, and Access to facilitate data analysis and financial modeling
  • Apply your knowledge of consumer lending business to produce advanced analytical material for discussions with cross-functional teams to understand complex business objectives and influence solution strategies
  • Interact with stakeholders to understand their business questions, craft methodologies to mine/analyze datasets, and deliver insightful recommendations
  • Use data mining techniques to explore and examine data from multiple disparate sources with the goal of discovering patterns and previously hidden insights
  • Participate in budget processes, providing quantitatively-backed recommendations and insights
What we offer
What we offer
  • Access to top jobs
  • Competitive compensation and benefits
  • Free online training
  • Medical insurance
  • Vision insurance
  • Dental insurance
  • Life insurance
  • Disability insurance
  • 401(k) plan
  • Fulltime
Read More
Arrow Right

Senior Business Analyst

Jeeves is a groundbreaking financial operating system built for global businesse...
Location
Location
Colombia , Bogotá
Salary
Salary:
Not provided
tryjeeves.com Logo
Jeeves
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 4+ years in analytics within credit risk management
  • Fluent in English
  • Excellent written and verbal communication skills
  • Intellectual curiosity
  • Experience in commercial credit risk, specifically within credit cards, payments, lending, or related industries
  • Proven ability to translate complex data and model results into actionable business strategies
  • Experience utilizing alternative data sources
  • Advanced proficiency in SQL and Excel
  • Experience using Python or R for data analysis and statistical modeling (regression, clustering, etc.)
Job Responsibility
Job Responsibility
  • Lead the development of best in class data-driven credit policies and business strategies: Leverage external (e.g. banking, tax, financial, credit bureau and other data) and internal performance data to develop credit policies (e.g. underwriting criteria, dynamic credit limit programs, etc.)
  • Minimize credit loss by developing and implementing appropriate processes and procedures to identify and mitigate high risk customers
  • Design and implement data-driven strategies for customer management, including policies for credit line increases, decreases, and line reinstatements
  • Work closely with the sales and business development teams to support business growth strategies that preserve effective underwriting and ensure the appropriate application of Jeeves’ credit policy
  • Deliver advancements in data and analytics: Contribute to the development of a data and analytics framework to improve processing, underwriting, tracking, risk management, and reporting procedures
  • Design and execute data driven analyses and tracking procedures to enhance insights on credit risk for individual, and the portfolio of companies
  • Leverage predictive statistical methodologies (e.g., linear/logistic regression, segmentation analysis) to draw insights and develop business strategies
  • Partner with data scientists to build and leverage credit risk models to optimize credit policies and improve business performance
  • Improve credit monitoring and governance: Define key performance indicators (KPIs) for credit portfolios
  • build dashboards to monitor portfolio health and strategy performance
  • Fulltime
Read More
Arrow Right

Business Analyst

We are seeking a highly analytical Credit Analyst to help develop data-driven cr...
Location
Location
Colombia , Bogotá
Salary
Salary:
Not provided
tryjeeves.com Logo
Jeeves
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 4+ years in analytics within credit risk management
  • Fluent in English
  • Excellent written and verbal communication skills
  • Intellectual curiosity
  • Ability to translate complex data and model results into actionable business strategies
  • Proficiency in SQL and Excel
  • Experience using Python or R for data analysis and statistical modeling (regression, clustering, etc.)
Job Responsibility
Job Responsibility
  • Develop best in class data-driven credit policies and business strategies: Leverage external (e.g. banking, tax, financial, credit bureau and other data) and internal performance data to develop credit policies (e.g. underwriting criteria, dynamic credit limit programs, etc.)
  • Minimize credit loss by developing and implementing appropriate processes and procedures to identify and mitigate high risk customers
  • Design and implement data-driven strategies to improve funnel metrics and credit quality for new customer originations
  • Work closely with the sales and business development teams to support business growth strategies that preserve effective underwriting and ensure the appropriate application of Jeeves’ credit policy
  • Deliver advancements in data and analytics: Contribute to the development of a data and analytics framework to improve processing, underwriting, tracking, risk management, and reporting procedures
  • Design and execute data driven analyses and tracking procedures to enhance insights on credit risk for individual, and the portfolio of companies
  • Leverage predictive statistical methodologies (e.g., linear/logistic regression, segmentation analysis) to draw insights and develop business strategies
  • Partner with data scientists to build and leverage credit risk models to optimize credit policies and improve business performance
  • Improve credit monitoring and governance: Build dashboards to monitor portfolio health and strategy performance
  • Develop and implement improvements to credit portfolio monitoring, client review tracking, management reporting, and customer risk rating assignments
  • Fulltime
Read More
Arrow Right
New

Product Manager, Credit Automation

As a Product Manager, Credit Automation at Uncapped, you will join a team of ris...
Location
Location
United Kingdom; Poland , London; Warsaw
Salary
Salary:
Not provided
weareuncapped.com Logo
Uncapped
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 5+ years in Product Management with Risk experience, specifically within Fintech, Lending, or Credit Risk ideally in B2B platforms
  • Commercial Acumen: A deep understanding of how lending businesses make money and how risk impacts the bottom line
  • Technical Literacy: Comfort with SQL and data models. You don't need to write the code, but you must understand how risk models and APIs work
  • Product Management: You should have a strong understanding of agile methodologies and a proven track record of self-service/automation cross-border projects
  • Experience in a fast-paced, "0-to-1" startup environment where you are expected to be hands-on and strategic simultaneously
Job Responsibility
Job Responsibility
  • Product Risk Leadership: Act as the connector between Data Scientists, Credit Risk Managers and Engineers to turn complex data into production-ready features
  • Risk Strategy & Roadmap: Architect and co-own the risk product vision, prioritize high-impact features and manage the roadmap
  • Data Integration: Identify and integrate new data sources (e.g., banking APIs, marketing spend data, e-commerce platform insights) to improve credit decisioning accuracy
  • Risk Engine Ownership: Lead the strategy and roadmap for Uncapped’s risk engine that includes a decision engine for automated decisions and underwriting tooling for manual decisions, ensuring we can process applications in seconds and hours rather than weeks
  • Monitoring & Recovery: Build products and dashboards that monitor the health of the portfolio in real-time and automate early-warning signals for potential defaults
  • Customer Friction Reduction: Balance the need for deep due diligence with a world-class user experience, ensuring that "Risk" doesn't become a bottleneck for "Growth."
What we offer
What we offer
  • Unlimited holiday: we believe that well-rested and happy people make the best employees
  • Competitive compensation plan
  • Personal growth fund: Raise your game from great to spectacular
  • Monthly recognition and awards: Celebrate wins big and small
  • The opportunity to make a big impact every day on the lives of European and US entrepreneurs
  • Workspaces in Warsaw, London and Atlanta
  • Fulltime
Read More
Arrow Right

Lead Data Scientist

Prism Data is building the future of credit risk assessment using modern data sc...
Location
Location
United States , NYC or San Diego (La Jolla/UTC)
Salary
Salary:
150000.00 - 195000.00 USD / Year
prismdata.com Logo
Prism Data
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor’s degree in Statistics, Data Science, Math, Industrial Engineering, or similar quantitative discipline required
  • Master’s or PhD is a plus
  • 4+ years of experience as a Data Scientist or Statistician, preferably in credit risk or financial services
  • Research & development of new attributes, models, decision strategies, and/or analytic capabilities
  • Customer-facing testing of data or analytic solutions (e.g., credit risk scores, alternative data, fraud prevention, etc.)
  • Cash flow underwriting analytics experience is a strong plus
  • Collaboration with business teams to understand and address business problems
  • Modeling experience in the latest AI and machine learning approaches
  • Mastery of rudimentary modeling approaches (e.g., regression, decision trees)
  • Expertise building Gradient Boosting models is a plus
Job Responsibility
Job Responsibility
  • Maintain and advance existing analytical product suite
  • Enhance core cash flow underwriting offerings as new data elements become available
  • Develop next-generation versions of products to boost stability, predictive accuracy, and relevancy to emerging use cases
  • Develop new products for new market opportunities using novel data assets
  • Demonstrate best practices in transparent modeling approaches to enable easy client adoption
  • Support sales, revenue attainment, and thought leadership
  • Conduct proof of concept analyses of the efficacy of Prism products in the context of clients’ business problems, and present results and insights
  • Support new and existing clients by guiding them on score cutoffs and the use of powerful custom attribute sets for their business
  • Educate clients on technical product knowledge
  • Contribute analysis to thought leadership content delivered by Prism executives in white papers and industry conferences
What we offer
What we offer
  • Equity-based compensation
  • Comprehensive benefit plan, including medical, dental, vision, and 401(k)
  • Fulltime
Read More
Arrow Right
New

Data Scientist, Credit Risk

We're building a world-class financial product and we need someone to help take ...
Location
Location
Canada
Salary
Salary:
140000.00 - 190000.00 CAD / Year
koho.ca Logo
KOHO
Expiration Date
Until further notice
Flip Icon
Requirements
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
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
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
Read More
Arrow Right

Lead Data Scientist

We are looking to hire a Data Science Lead for our Product Algo360: Algo360 is a...
Location
Location
India
Salary
Salary:
Not provided
think360.ai Logo
Think360.ai
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • More than 5 years’ experience in working on data problems and 3+ years in credit risk modeling
  • Experience of team handling, and client management
  • Very high problem-solving skills
  • Strong mathematical, and modeling skills
  • Demonstrable experience of having created a huge impact on data analysis and statistical modeling
  • Proficient with Statistical modeling and understanding of association mining
  • Proficient and hands-on with R/Python/Ultrix
  • Working knowledge of query processing language and automation
Job Responsibility
Job Responsibility
  • Create data products and solutions which help millions of Indians in getting their credit needs met
  • Lead the charter of all analytical research and development activities for the product
  • Work with clients to identify opportunities to build insights that help clients accurately make decisions
  • Be the custodian of validating, approving and disproving hypotheses and business cases around new and existing data products
  • Enhance the existing credit risk score
  • Work towards improving the fill rates of key variables/insights
  • Use innovative techniques to create proxy variables that aid decision making for clients
  • Significantly contribute towards ideation, execution, go to market for the product roadmap development
  • Create and Maintain testing and accuracy monitoring framework to continuously Identify and debug outliers and anomalies
  • Create and maintain Data Sandbox to enable research and data mining for statistical modeling
Read More
Arrow Right
Jobs by Category
Art and Entertainment Jobs Banking Jobs Call Center Jobs Construction Jobs Consulting Jobs Customer Service Jobs Education Jobs Energy Jobs Finance Jobs Gastronomy Jobs Health and Beauty Jobs Hospitality and Tourism Jobs Human Resources Jobs Insurance Jobs IT - Administration Jobs IT - Software Development Jobs Legal Jobs Logistics Jobs Manufacturing Jobs Marketing, Digital Marketing, SEO, SEM Jobs Media Jobs Nursing Jobs Office Administration Jobs Pharmacy Jobs Physical Work Jobs Public Relations Jobs Public Sector Jobs Purchasing Jobs Quality Control Jobs Real Estate Jobs Research and Development Jobs Sales Jobs
Job Positions Jobs by Country
United States Jobs United Kingdom Jobs India Jobs Canada Jobs Australia Jobs Germany Jobs Ireland Jobs Poland Jobs
Company
Blog About Us Contact
Follow Us
Facebook
X (Twitter)
LinkedIn
Instagram
CrawlJobs Group
ITFlashcards AllDevBlogs
© 2026 CrawlJobs Ltd. All Rights Reserved
Terms & Conditions Privacy Policy