Decision Scientist - Credit Risk

Role Overview

Help us optimize credit risk decisions to balance lending growth with portfolio quality. You'll build and deploy models that directly impact profitability and sustainability.

What We're Looking For

- 5+ years in credit risk, ideally unsecured lending

- Hands-on experience with credit scorecards and bureau data

- Advanced SQL and Python/R for modeling

- Experience with decision engines or flows

- Strong analytical and communication skills

- Ownership mindset and attention to detail

What You'll Do

- Build, implement, and monitor credit scorecards in live lending decisions

- Analyze performance and recommend improvements to approval rates and bad debt

- Implement scorecards into our decision engine and monitor performance

- Collaborate with Data, AI, and Engineering teams

Why You'll Love It

- Directly influence business profitability and sustainability

- Work with cutting-edge data science and ML in fintech

- Opportunity to own critical models from development to production