AI Scientist - Credit Risk & Agentic AI

:

• We are looking for an AI Scientist - Credit Risk & Agentic AI to join our client in the AI and decision intelligence space.
• This role is ideal for someone who combines credit-risk analytics, applied machine learning, LLM reasoning, evaluation design, and business judgment.
• This is not a generic prompt-engineering role.

The selected candidate will help design, test, evaluate, and improve AI agents that analyze credit and underwriting data in a controlled, evidence-cited, human-in-the-loop environment.

Key responsibilities :

• Design AI reasoning frameworks for credit-risk and underwriting use cases.
• Translate underwriting judgment into structured, testable, and auditable AI workflows.
• Work on bureau/tradeline analysis, borrower-risk signals, shadow debt patterns, data-integrity flags, and score reconciliation.
• Design prompts, reasoning flows, evaluation criteria, and structured outputs for LLM-based underwriting agents.
• Define evaluation frameworks for underwriter alignment, incremental signal, hallucination risk, data-integrity detection, and decision quality.
• Compare AI outputs against historical underwriter decisions, credit scores, model outputs, and repayment/loss outcomes.
• Partner with AI engineers, data engineers, credit-risk experts, and platform teams to build governed AI underwriting solutions.
• Participate in internal and client-facing discussions with senior stakeholders.

Required :

• 5+ years of experience in data science, credit-risk analytics, underwriting analytics, risk modeling, or applied machine learning.
• Strong understanding of credit-risk concepts such as bureau data, credit scores, scorecards, delinquency, utilization, inquiries, tradelines, repayment behavior, loss/default outcomes, and underwriting policy.
• Strong Python and SQL skills.
• Experience with statistical modeling, machine learning, model validation, or analytical backtesting.
• Familiarity with LLMs, prompt design, structured outputs, RAG, or agentic AI systems.
• Ability to define evaluation frameworks and interpret model/AI outputs critically.
• Strong communication skills and ability to work with business, credit, data science, and engineering teams.
• Willingness to work from the Bhubaneswar office.

Preferred :

• Experience in fintech, lending, NBFC, banking, credit bureau, SME lending, consumer lending, merchant cash advance, or commercial underwriting.
• Experience with consumer bureau or commercial bureau data.
• Exposure to Claude, OpenAI, AWS Bedrock, LangChain, LangGraph, LlamaIndex, or similar tools.
• Familiarity with Pydantic, JSON schemas, evaluation harnesses, model governance, explainability, or human-in-the-loop AI workflows.
• Prior consulting or client-facing experience.

Benefits :

• Competitive compensation aligned with market standards, based on experience and capability.
• Opportunity to work on cutting-edge AI applications in real financial-services decisioning.
• Exposure to a high-impact North American fintech AI underwriting programme.
• Work on practical, governed AI systems rather than generic chatbot demos.
• Collaborate with experienced data science, risk, AI, and engineering professionals.
• Opportunity to build expertise in agentic AI, LLM evaluation, credit-risk analytics, and human-in-the-loop decisioning.
• Candidates from other cities are welcome to apply if they are open to relocating to Bhubaneswar.