Bees at Work

Data Scientist - Credit Risk


Job Type

Full Time

About the Role

We are looking for an energetic and experienced person as a Senior Data Scientist. The chosen candidate will be responsible for developing all aspects of data mining, predictive analytic, solution development to name a few. Experience in Banking and Financial Services, Customer Experience is a plus.


  • Focus on developing clear and concise analytical approach for problem solving with client partnership

  • Strong understanding of ML libraries and applications e.g. Neural Net, SVMs, boosting methods and implementation using R/Python. Should have academic paper level understanding of math e.g. linear algebra, calculus etc.

  • Ability to code on SAS/R for data munging, analysis and insights and/or languages like Python for creating efficient production ready code

  • Managing delivery of projects including timely communication, setting milestones and tracking

  • Generating actionable insights for business/KPI improvements

  • Ability to work independently, structure analyses and handle multiple priorities

  • Develop and Maintaining Credit Risk Models & Strategies

  • Rich experience in at least one production ready deployment of Machine Learning algorithms is a plus.

  • Experience in working on real life large messy dataset to solve real business problems. Kaggle experience is a plus.


  • Experience in Financial Services/ Fintech/ BFSI along with Credit Risk in Retail Banking and Data Science

  • 5 years of experience in building predictive models (Application Scorecard, Behaviour Scorecard, Collection Score Card, Loan Pricing, Loss Forecasting, Cross Sell Model)

  • Experienced Statistical software skills (e.g. SAS, R, Python

  • Strong understanding of ML libraries and applications.

  • Strong experience in leading credit risk model development, validation, deployment, and documentation

  • Analytically oriented with ability to grasp complex risk management strategies, processes, models and draw insights / identify areas of opportunity

  • Strong track record of delivering on high value / critical projects. Ability to communicate with senior stakeholders crisply and confidently on findings, status, bottlenecks, and escalations

  • Proven track record of delivering in a start-up environment would be a plus

  • Strong written and oral communication skills

About Us

Scienaptic is the world's leading AI powered Credit Underwriting platform company. Designed by seasoned Chief Risk Officers, its platform is creating industry leading business impact in terms of lifts such as higher approvals (15-40%) and lower credit losses (10-25%) with all the regulatory explainability. Last year alone, we have helped financial institutions evaluate 45 Million consumers and offer credit to over 15 Million. Our clients across banks, credit unions, fintech, and other lenders use the platform to improve the quality of underwriting decisions continually.