Data Scientist

Responsibilities:

• Collaborate with cross-functional teams to understand credit risk requirements and translate them into data modeling solutions
• Develop, implement and maintain credit risk models including A-score, B-score, PD, EAD and LGD that align with business, regulatory and accounting requirements for credit card and personal loan business
• Work closely with data engineers and analysts to ensure seamless integration of data models into existing systems and processes
• Perform data profiling, validation, and cleansing to ensure the accuracy and reliability of credit risk data
• Stay updated on industry trends, emerging technologies, and regulatory changes related to credit risk modeling
• Leverage data from data warehouses to conduct statistical analyses and communicate results to business stakeholders
• Conduct regular audits and assessments of existing data models to identify opportunities for optimization and improvement

Qualifications:

• Bachelor's or Master's degree in Data Science, Statistics, Computer Science, or a related field
• Proven experience in data modeling, specifically in the context of credit risk within the credit card industry
• 2-5 years' experience in Data Science, preferably in Banking & Financial services.
• Proficiency in relevant programming languages (e.g., SQL, Python) and data modeling tools
• Strong understanding of credit risk methodologies, regulatory requirements, and industry best practices
• Excellent analytical and problem-solving skills with a keen attention to detail
• Effective communication skills to collaborate with cross-functional teams and present findings to non-technical stakeholders