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.
ResponsibilitiesKey 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.
- 9+ 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.
Skills Required
- Strong business knowledge of banking analytics across the retail banking customer lifecycle
- 9+ years of experience in applied machine learning model development in banking or financial services
- Hands-on experience leading machine learning projects and teams
- Strong experience with model development, deployment, and monitoring in production environments
- Familiarity with collections, underwriting, fraud, and ethical considerations in banking machine learning models
- Leadership, problem-solving, and people management skills
- Master's degree or similar in Computer Science, Data Science, Statistics, Applied Mathematics, or a related quantitative field
- Expertise in Python, SQL, NumPy, Pandas, Scikit-learn, TensorFlow, and PyTorch
- Knowledge of statistical modeling, optimization, and deep learning techniques
- Knowledge of MLOps frameworks including MLflow, Kubeflow, Airflow, Docker, and Kubernetes
- Excellent communication skills and ability to explain complex concepts to non-technical stakeholders
EXL Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about EXL and has not been reviewed or approved by EXL.
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Healthcare Strength — Medical plan options include HSA, HRA, and PPO choices, with additional health-related programs such as disability coverage and an employee assistance program. Feedback suggests these options provide meaningful flexibility and coverage breadth for many roles.
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Leave & Time Off Breadth — Up to 20 days of paid time off, plus federal holidays and paid sick and safe time, are highlighted. Feedback suggests this leave structure is a notable benefit alongside core compensation.
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Retirement Support — A traditional and Roth 401(k) with up to a 3% company match and full vesting after one year is described. Feedback suggests this match and vesting timeline help bolster long-term savings.
EXL Insights
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.
