Credit Data Scientist (Credit Analytics) - Bengaluru

About the role

As a Credit Data Scientist, you’ll use data, feature engineering and experimentation to improve credit decisioning and portfolio performance across our lending products and markets. You’ll work end-to-end from data exploration through to production-aligned features, monitoring and impact measurement.

What you'll do

• Analyse customer, bureau, transactional and repayment data to identify drivers of risk, loss, approval rates and customer outcomes
• Build and iterate credit risk features and model inputs (behavioural signals, affordability proxies, stability-tested transformations)
• Contribute to development and improvement of predictive models using modern machine learning approaches, with a focus on robustness, stability and deployability
• Design, run and evaluate credit policy experiments (cut-offs, limits, pricing/risk trade-offs, segment strategies), including post-implementation reviews
• Develop monitoring for model/policy performance and feature health (drift, stability, segment performance, data quality checks)

What you need

• 2–4 yrs of experience
• Analytics
• Machine learning
• Python
• SQL
• R
• Statistics
• Any graduate

Good to have

• BigQuery
• Snowflake
• Databricks
• Git
• Credit risk