Data Scientist

About the Role

We are looking for a data-driven and impact-oriented Credit Risk Data Scientist to join our high-performance fintech team. This role sits at the intersection of risk, product, and growth, where you will design and deploy intelligent credit decisioning systems that directly influence business outcomes.

Key Responsibilities

• Build, validate, and deploy real-time credit risk and fraud detection models to support underwriting decisions.
• Work with large-scale, imbalanced datasets to extract meaningful risk insights.
• Develop thin-file / new-to-credit models using alternative data sources (mobile, transactional, behavioural signals).
• Optimize credit underwriting strategies including approval rates, credit limits, and pricing decisions.
• Design and execute A/B experiments to improve portfolio performance while maintaining risk thresholds.
• Continuously monitor model performance, stability, and drift; recommend recalibration strategies.
• Collaborate with Product, Engineering, and Growth teams to integrate models into scalable APIs and decision systems.
• Build and maintain automated data pipelines and model retraining workflows.
• Balance risk vs. growth trade-offs, aligning with business objectives in a fintech lending environment.
• Translate complex analytical outputs into clear business recommendations for stakeholders.

Requirements & Tech Stack

Implied from responsibilities:

• Experience working with large-scale, imbalanced datasets.
• Experience developing models using alternative data sources (mobile, transactional, behavioural signals).
• Experience with A/B experimentation.
• Experience in building and maintaining automated data pipelines.
• Experience in model deployment and monitoring.
• Experience in a fintech lending environment.
• Proficiency in translating complex analytical outputs into business recommendations.