Senior Data Scientist Credit & Risk Analytics

Senior Data Scientist – Credit & Risk Analytics

At FinacPlus, we are more than a service provider — we are a Virtual Business Process Partner to leading global financial institutions and fintech companies. Our teams integrate seamlessly with client organizations, delivering high-impact analytics, finance, risk, and technology capabilities from India. FinacPlus is a Great Place to Workregistered Certifiedtrade mark organization, recognized for our collaborative culture, strong leadership values, employee-first philosophy, and commitment to professional growth. If you are looking for global exposure, ownership-driven work, and meaningful career acceleration — this is where you belong. We are currently hiring a Senior Data Scientist (3–5 years experience) to support a UK-based fintech client in strengthening and scaling their credit risk and automated decisioning ecosystem. This role offers true end-to-end ownership — from model development and validation to production deployment and governance — with direct business impact.

As a Senior Data Scientist, you will serve as an embedded analytics leader working alongside Data Science, Credit Risk, Engineering, and Product stakeholders. You will design and enhance advanced credit models that drive responsible lending, portfolio growth, and customer outcomes. You will not just build models — you will influence business decisions.

RESPONSIBILITIES

• You will take ownership of designing, developing, and continuously refining credit risk scorecards, loss forecasting models, and collections and behavioural models that materially influence portfolio strategy, risk appetite, and sustainable growth.
• You will leverage a wide spectrum of internal and external datasets — including credit bureau data, loan performance data, and transactional and behavioural datasets — to generate deep, decision-grade insights that enhance underwriting precision and customer outcomes.
• You will architect and deliver robust, production-ready solutions in Python, ensuring code quality, scalability, reproducibility, and alignment with enterprise engineering standards.
• You will partner closely with Engineering teams to drive seamless model deployment, automation, and integration into real-time decisioning environments, ensuring operational resilience and performance efficiency.
• You will play a key role in strengthening and optimizing automated loan decisioning systems, enhancing model sophistication while maintaining transparency, fairness, and regulatory alignment.
• You will lead model monitoring, validation, governance, and performance oversight frameworks, proactively identifying drift, stability risks, and opportunities for recalibration.
• You will conduct advanced exploratory data analysis and strategic feature engineering to uncover new risk drivers and unlock incremental portfolio value.
• You will translate complex statistical outputs into clear, commercially meaningful narratives for senior stakeholders, enabling confident and informed business decisions.
• You will collaborate with Credit, Pricing, and Operations leadership to ensure analytics initiatives are tightly aligned with strategic priorities and commercial objectives.
• You will contribute to the evolution of scalable data science frameworks, best practices, documentation standards, and technical governance processes.

QUALIFICATIONS AND EXPERIENCE

• 3–5 years of hands-on experience in Data Science / Risk Analytics
• Strong proficiency in Python, Solid command of SQL
• Advanced understanding of:
• Regression & classification techniques
• Model validation & stability testing
• Performance metrics (AUC, KS, Gini, Precision/Recall, etc.)
• Bias/variance trade-offs and interpretability
• Experience deploying models into production environments
• Exposure to version control systems (Git)
• Working knowledge of cloud platforms (AWS preferred)
• Experience in credit risk / lending / financial services analytics strongly preferred

WHAT MAKES YOU A STRONG FIT

• Demonstrated ability to own the full data science lifecycle
• Strong analytical judgement and business contextualization skills
• Ability to balance statistical rigour with commercial practicality
• Clear communication skills for technical and non-technical stakeholders
• Passion for building scalable, responsible lending systems

WHY HIGH-PERFORMING TALENT CHOOSES FINACPLUS

• Direct exposure to UK & US financial markets
• Opportunity to work on production systems impacting real customers
• Great Place to Workregistered Certifiedtrade mark culture
• Clear growth pathways into senior analytics and leadership roles
• Collaborative, high-accountability, ownership-driven environment
• Continuous learning and global client interaction
• Stable organization with strong governance and ethical practices
• Demonstrated ability to own the full data science lifecycle

LOCATION: Work from Home, India

TIMINGS: UK Shift IST 2-00pm to 11-00pm

SALARY RANGE: Best in Industry