Data Scientist
Posted Updated
Description
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</div><p class="MsoNormal"><b>About the Role</b></p><p><b></b></p><b></b><p class="MsoNormal">We are looking for a highly analytical and business-driven <b>Senior
Data Scientist</b> to lead data science initiatives in <b>credit risk and
collections strategy</b> for our home loan portfolio. The role involves
building predictive models, optimizing credit decisions, and enhancing
collections efficiency through data-driven insights.</p><p></p><div class="MsoNormal" align="center" style="text-align:center;">
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</div><p class="MsoNormal"><b>Key Responsibilities</b></p><p><b></b></p><b></b><p class="MsoNormal"><b>1. Credit Risk Modeling</b></p><p><b></b></p><b></b><ul style="margin-top:0cm;" type="disc">
<li class="MsoNormal">Develop
and deploy predictive models for: <p></p><ul style="margin-top:0cm;" type="circle">
<li class="MsoNormal">Credit
scoring (application & behavioral) <p></p></li>
<li class="MsoNormal">Probability
of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD) <p></p></li>
</ul></li>
<li class="MsoNormal">Analyze
borrower behavior and creditworthiness using structured and alternative
data <p></p></li>
<li class="MsoNormal">Monitor
model performance and ensure stability over time <p></p></li>
</ul><p class="MsoNormal"><b>2. Collections Strategy & Optimization</b></p><p><b></b></p><b></b><ul style="margin-top:0cm;" type="disc">
<li class="MsoNormal">Design
data-driven collection strategies across delinquency buckets <p></p></li>
<li class="MsoNormal">Build
models for: <p></p><ul style="margin-top:0cm;" type="circle">
<li class="MsoNormal">Roll
rate prediction <p></p></li>
<li class="MsoNormal">Recovery
optimization <p></p></li>
<li class="MsoNormal">Customer
segmentation for collections prioritization <p></p></li>
</ul></li>
<li class="MsoNormal">Recommend
treatment strategies (call, legal, settlement, restructuring) <p></p></li>
</ul><p class="MsoNormal"><b>3. Data Analysis & Insights</b></p><p><b></b></p><b></b><p>
</p><ul style="margin-top:0cm;" type="disc">
<li class="MsoNormal">Perform
deep-dive analysis on portfolio performance, delinquencies, and losses <p></p></li>
<li class="MsoNormal">Identify
early warning signals and risk triggers <p></p></li>
<li class="MsoNormal">Translate
complex findings into actionable business recommendations <p></p></li>
</ul>