Senior Credit Scoring Models Expert

We are seeking an exceptionally experienced scoring models expert with minimum 5+ years of hands-on credit risk modelling experience to design and develop our credit risk assessment. This role focuses on building sophisticated scoring models that accurately predict user creditworthiness across loans, BNPL, and credit services. You will combine statistics, economics, and domain knowledge to create models that balance risk, profitability, and financial inclusion.
Beyond technical excellence, we seek individuals who understand credit risk as a business problem, not just an engineering challenge. 

Key Responsibilities:

• Architect and implement application, behavioural, and portfolio-level scoring models using Python and advanced statistical techniques
• Conduct rigorous feature engineering, including behavioural signals, transactional patterns, user engagement metrics, and alternative data sources
• Develop models that integrate real-time behavioural analytics to capture user risk evolution and identify early warning indicators of creditworthiness changes
• Design decision frameworks that layer machine learning predictions with business rule engines to optimize approval rates, credit limits, and pricing

Required Qualifications:

• Minimum 5+ years of professional experience developing and deploying credit/loan scoring models in production environments at financial institutions, fintech, or BNPL companies
• Demonstrated track record of successfully implementing at least 2-3 major scoring models that directly impacted business decisions and generated measurable revenue or risk reduction
• Proven experience integrating machine learning models with rule-based decision engines in production credit decisioning systems
• Deep understanding of credit risk fundamentals, default prediction mechanics, and lending product economics