Building and refining credit scoring models that assess customer creditworthiness, default risk, and loan pricing across multiple markets
Developing and testing ML models for loan eligibility and pricing optimisation through A/B testing and statistical analysis
Continuously improving eligibility criteria by analysing repayment data, engineering new features, and monitoring credit performance for risk shifts and margin impact
Collaborating cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production

Experience building predictive models, particularly credit scoring, risk models, or similar classification/regression problems
Strong ML background with hands-on experience in model development, validation, deployment, and performance monitoring
Proficiency in Python, SQL, and relevant ML libraries (scikit-learn, pandas, numpy, etc.) with experience in feature engineering, model selection, and hyperparameter tuning
Experience translating complex model outputs into actionable business strategies and stakeholder communications
Ability to work cross-functionally with product, engineering, and commercial teams
Strong data communication skills — written, oral, and visual

Senior Data Scientist – Credit

Key skills