We are seeking a highly skilled and experienced Machine Learning Modeling Lead - Credit Modeling to join our ML Model Innovation team within the banking/fintech domain (digital lending). The ideal candidate will be responsible for leading the development and deployment of machine learning models that power key business decisions such as collections models, credit risk scoring, fraud detection, customer segmentation, and personalized financial services.
The Individual needs to have strong knowledge of banking business, data and domain across the customer lifecycle as well as bureau data. They will collaborate with cross-functional teams and provide technical leadership to junior ML modelers and data scientists.
Key Roles and Responsibilities -
- Lead end-to-end ML solution development & innovation from data exploration, feature engineering, model development, validation, deployment, and monitoring.
- Develop robust models which can drive business benefits. Support and review junior scientist submissions and share enhancement suggestions
- Responsible for documentation/documentation reviews, model reviews and submission
- Responsible for managing queries raised by Validation teams for the model
- Collaborate with implementation teams to deploy models into production environments (cloud or on premises).
- Work closely with business stakeholders to translate banking domain challenges into data-driven solutions.
- Guide junior data scientists and engineers on best practices in model development
- Continuously evaluate new tools, technologies, and frameworks relevant to ML in finance.
- Publish internal research and promote a culture of innovation and experimentation.
Candidate Profile:
- Strong business knowledge of banking analytics across the retail banking customer lifecycle.
- 12+ years of experience in applied machine learning model development in the banking or financial services domain.
- Hands-on experience leading ML projects and teams.
- Strong experience with model development, deployment and monitoring in production environments.
- Familiarity with collections, underwriting, fraud and ethical considerations in banking ML models.
- Demonstrable leadership ability, superior problem solving and people management skills
- Master’s or Similar in Computer Science, Data Science, Statistics, Applied Mathematics, or a related quantitative field
Skills:
- Expert in Python, SQL, ML libraries (Numpy, Pandas, Scikit-learn, TensorFlow, PyTorch) and techniques (Regression, Decision Trees, Ensembles: XGBoost, GBM, Random Forest, Unsupervised Learning, etc.).
- Knowledge of MLOps frameworks (MLflow, Kubeflow, Airflow, Docker, Kubernetes) is added benefit.
- Strong grasp of statistical modeling, optimization, and deep learning techniques.
- Excellent communication skills and ability to explain complex concepts to non-technical stakeholders.
What we offer:
- EXL Analytics offers an exciting, fast paced and innovative environment, which brings together a group of sharp and entrepreneurial professionals who are eager to influence business decisions. From your very first day, you get an opportunity to work closely with highly experienced, world class analytics consultants.
- You will learn effective teamwork and time-management skills - key aspects for personal and professional growth
- Analytics requires different skill sets at different levels within the organization. At EXL Analytics, we invest heavily in training you in all aspects of analytics as well as in leading analytical tools and techniques.
- We provide guidance/ coaching to every employee through our mentoring program wherein every junior level employee is assigned a senior level professional as advisors.
- Sky is the limit for our team members. The unique experiences gathered at EXL Analytics sets the stage for further growth and development in our company and beyond.
The typical base pay range for this role across the U.S. is USD $202,000 - $280,000 per year.
For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits
The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale.
Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position.
The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process.
Responsibilities
- Lead end-to-end ML solution development & innovation from data exploration, feature engineering, model development, validation, deployment, and monitoring.
- Develop robust models which can drive business benefits. Support and review junior scientist submissions and share enhancement suggestions
- Responsible for documentation/documentation reviews, model reviews and submission
- Responsible for managing queries raised by Validation teams for the model
- Collaborate with implementation teams to deploy models into production environments (cloud or on-premises).
- Work closely with business stakeholders to translate banking domain challenges into data-driven solutions.
- Guide junior data scientists and engineers on best practices in model development
- Continuously evaluate new tools, technologies, and frameworks relevant to ML in finance.
- Publish internal research and promote a culture of innovation and experimentation.
Candidate Requirements:
- Strong business knowledge of banking analytics across the retail banking customer lifecycle.
- 12+ years of experience in applied machine learning model development in the banking or financial services domain.
- Hands-on experience leading ML projects and teams.
- Strong experience with model development, deployment and monitoring in production environments.
- Familiarity with collections, underwriting, fraud and ethical considerations in banking ML models.
- Demonstrable leadership ability, superior problem solving and people management skills
- Master’s or Similar in Computer Science, Data Science, Statistics, Applied Mathematics, or a related quantitative field
Skills:
- Expert in Python, SQL, ML libraries (Numpy, Pandas, Scikit-learn, TensorFlow, PyTorch) and techniques (Regression, Decision Trees, Ensembles: XGBoost, GBM, Random Forest, Unsupervised Learning, etc.).
- Knowledge of MLOps frameworks (MLflow, Kubeflow, Airflow, Docker, Kubernetes) is added benefit.
- Strong grasp of statistical modeling, optimization, and deep learning techniques.
- Excellent communication skills and ability to explain complex concepts to non-technical stakeholders.
What we offer:
- EXL Analytics offers an exciting, fast paced and innovative environment, which brings together a group of sharp and entrepreneurial professionals who are eager to influence business decisions. From your very first day, you get an opportunity to work closely with highly experienced, world class analytics consultants.
- You will learn effective teamwork and time-management skills - key aspects for personal and professional growth
- Analytics requires different skill sets at different levels within the organization. At EXL Analytics, we invest heavily in training you in all aspects of analytics as well as in leading analytical tools and techniques.
- We provide guidance/ coaching to every employee through our mentoring program wherein every junior level employee is assigned a senior level professional as advisors.
- Sky is the limit for our team members. The unique experiences gathered at EXL Analytics sets the stage for further growth and development in our company and beyond.
The typical base pay range for this role across the U.S. is USD $200,000 - $280,000 per year.
For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits
The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale.
Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position.
The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process.
Skills Required
- 12+ years of applied machine learning model development in banking or financial services
- Strong business knowledge of banking analytics across the retail banking customer lifecycle
- Hands-on experience leading ML projects and teams
- Strong experience with model development, deployment and monitoring in production environments
- Familiarity with collections, underwriting, fraud and ethical considerations in banking ML models
- Master's or similar in Computer Science, Data Science, Statistics, Applied Mathematics, or related quantitative field
- Expert in Python and SQL
- Expert with ML libraries: Numpy, Pandas, Scikit-learn, TensorFlow, PyTorch
- Experience with ensemble methods and techniques (XGBoost, GBM, Random Forest, regression, decision trees, unsupervised learning)
- Strong grasp of statistical modeling, optimization, and deep learning techniques
- Excellent communication skills and ability to explain complex concepts to non-technical stakeholders
- Knowledge of MLOps frameworks (MLflow, Kubeflow, Airflow, Docker, Kubernetes)
What We Do
Choosing a digital partner is about more than capabilities — it’s about collaboration and character. Unrealistic overhauls and off-the-shelf products ignore what matters most — your unique needs, culture, goals, and your legacy data and technology environments. At EXL, our collaboration is built on ongoing listening and learning to adapt our methodologies. We’re your business evolution partner—tailoring solutions that make the most of data to make better business decisions and drive more intelligence into your increasingly digital operations. Whether your goals are scaling the use of AI and digital, redesign operating models, or driving better and faster decisions, we’re here to partner with you to help you gain—and maintain—competitive advantage with efficient, sustainable models at scale. Our expertise in transformation, data science, and change management helps make your business more efficient and effective, improve customer relationships and enhance revenue growth. Instead of focusing on multi-year, resource- and time-intensive platform designs or migrations, we look deeper at your entire value chain to integrate strategies with impact. We use our specialization in analytics, digital interventions, and operations management—alongside deep industry expertise — to deliver solutions that help you outperform the competition. At EXL, it’s all about outcomes—your outcomes—and delivering success on your terms. Share your goals with us and together, we’ll optimize how you leverage data to drive your business forward. For more information, visit www.exlservice.com.
