AI Scientist — Credit Risk & Agentic AI
StratLytics is hiring an AI Scientist — Credit Risk & Agentic AI for our Bhubaneswar office to work on a high-impact AI underwriting initiative for a North American fintech client.
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 include:
- 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.
Requirements
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 StratLytics 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.