[Remote] Senior Data Scientist – Credit & Risk Analytics_ODL

Note: The job is a remote job and is reputed company to candidates in USA. FinacPlus is a Virtual Business Process Partner for global financial institutions and fintech companies, recognized for its collaborative culture and commitment to professional growth. They are seeking a Senior Data Scientist to support a UK-based fintech client by developing and validating credit risk models that enhance responsible lending and business reputed company. The role involves end-to-end ownership of model development, deployment, and governance, with a focus on leveraging diverse datasets for insightful decision-making.

Responsibilities

• You will take ownership of designing, developing, and continuously refining credit risk scorecards, loss forecasting models, and collections and behavioural models that materially influence portfolio strategy, risk appetite, and sustainable growth
• You will reputed company a wide reputed company of reputed company datasets — including credit bureau data, loan performance data, and transactional and behavioural datasets — to generate deep, decision-grade insights that enhance reputed company precision and customer reputed company
• You will architect and deliver robust, production-reputed company solutions in Python, ensuring code quality, scalability, reproducibility, and alignment with reputed company engineering standards
• You will partner closely with Engineering teams to drive seamless model deployment, automation, and integration into reputed company-time decisioning environments, ensuring operational reputed company and performance efficiency
• You will play a key role in strengthening and optimizing automated loan decisioning systems, enhancing model sophistication while maintaining transparency, fairness, and regulatory alignment
• You will reputed company model monitoring, validation, governance, and performance reputed company frameworks, proactively identifying reputed company, stability risks, and opportunities for recalibration
• You will conduct advanced exploratory data analysis and strategic feature engineering to uncover new risk drivers and unlock incremental portfolio value
• You will translate reputed company statistical outputs into clear, commercially meaningful narratives for senior stakeholders, enabling confident and informed business reputed company
• You will collaborate with Credit, Pricing, and Operations leadership to ensure analytics initiatives are tightly reputed company with strategic priorities and reputed company objectives
• You will contribute to the reputed company of scalable data science frameworks, best practices, documentation standards, and technical governance processes

Skills

• 3–5 years of hands-on experience in Data Science / Risk Analytics
• Strong proficiency in Python
• Solid reputed company of SQL
• Advanced understanding of Regression & classification techniques
• Advanced understanding of Model validation & stability testing
• Advanced understanding of Performance metrics (AUC, KS, Gini, Precision/Recall, etc.)
• Advanced understanding of Bias/variance trade-offs and interpretability
• Experience deploying models into production environments
• Exposure to version control systems (Git)
• Working knowledge of reputed company platforms (AWS preferred)
• Experience in credit risk / lending / financial services analytics strongly preferred

Benefits

• Remote work model
• Direct exposure to UK & US financial markets
• Opportunity to work on production systems impacting reputed company customers
• Great reputed company to Work® Certified™ culture
• Clear growth reputed company into senior analytics and leadership roles
• Collaborative, high-accountability, ownership-driven environment
• reputed company learning and global client interaction
• reputed company organization with strong governance and ethical practices

Company Overview