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Popular data scientist title and Bangalore metro location create moderate applicant competition despite seniority.
Strong credit-risk and underwriting focus reduces cross-industry transferability, though core modeling skills remain transferable.
Explicit 7+ years requirement plus mandatory ML stack and credit modeling expertise makes filtering stringent.
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Build and refine foundational credit underwriting models and related data features for NIRA's consumer credit platform in India.
Shape near-term lending performance and long-term data infrastructure with direct exposure to leadership.
Partner with cross-functional teams (credit, engineering, leadership) to apply advanced modeling techniques using alternative data sources.
7+ years of experience in predictive modeling, ideally in credit risk or actuarial settings.
Proficiency in Python, SQL, and ML libraries such as scikit-learn, LightGBM, XGBoost.
This is a hybrid role requiring 2-3 days/week onsite work in Bangalore.
Work Experience Required: 7+ years of relevant experience.
Experienced in end-to-end ownership of credit risk modeling projects in high-growth, ambiguous environments with lean teams.
Strong stakeholder management skills, able to communicate complex data science findings to non-technical leadership.
Familiarity with fintech credit/lending models, alternative underwriting, and credit markets, preferably with exposure to the India market.