Scorecard Developer (Machine Learning Specialist) - Bengaluru

About the role

As a Scorecard Developer, you’ll develop and maintain credit scoring components and associated calibrations that support approval and risk strategies across products and markets. You’ll focus on building high-quality features, ensuring scores are stable and explainable, and delivering robust PD-to-bad-rate calibrations that translate model outputs into decision-ready risk measures.

What you'll do

• Develop and maintain scoring solutions and supporting artefacts used in credit decisioning (application and/or behavioural scoring, segmentation, risk signals)
• Own feature engineering for scoring: create, test and document variables from bureau, application, transactional and repayment data; ensure stability
• Contribute to model development and tuning using modern machine learning approaches where appropriate, ensuring outputs are robust, stable and suitable for decisioning
• Apply best-in-class machine learning practices for credit scoring, including disciplined hyperparameter optimisation, robust validation
• Define and maintain feature specifications for production (definitions, transformations, edge-case handling, missing value logic, consistency checks)

What you need

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