About the Role:
We seek a skilled Senior Data Scientist to join our team in building a cutting-edge Credit Risk Machine Learning platform. This platform delivers sophisticated credit scoring models and transparent explanations behind each score to support clients' credit monitoring and management activities.
As a Senior Data Scientist, you will be key in designing, developing, and deploying machine learning models that assess credit risk, ensuring high accuracy, interpret ability, and compliance with regulatory requirements. Your experience in machine learning, credit risk modelling, and strong Python programming skills will be crucial in driving innovation and business value for our clients.
Key Responsibilities:
Align data solutions with business objectives and technical constraints, adapting to the evolving market dynamics, regulatory landscape and client requirements.
Work closely with cross-functional teams, including data engineering, product management, and business teams, to manage and lead various aspects of the product lifecycle, from conception to delivery.
Monitor model performance and maintain risk management protocols by retraining models as needed, ensuring ongoing accuracy and regulatory compliance.
Stay updated on industry trends, regulations, and emerging technologies to improve the models continuously and the platform.
Provide mentorship and guidance to junior data scientists and engineers within the team.
Required Skills:
Technical Skills
Expertise in statistical analysis, including hypothesis testing, regression analysis, probability theory, and data modelling techniques, to extract insights and validate machine learning models.:
Experience in designing, developing, and delivering end-to-end data products and solutions.
Expertise in model explain ability techniques (e.g. SHAP, LIME) and regulatory compliance for risk models.
Strong proficiency in Python and working knowledge of PySpark.
Proficiency in building and deploying models on cloud platforms (AWS).
Experience with NLP techniques is good to have.
Domain Skills:
Ability to collaborate with finance and risk teams to ensure model outputs align with business objectives and regulatory requirements.
Familiarity with key financial instruments, regulatory frameworks (e.g., Basel III, IFRS 9), and their impact on risk assessment models.
Education and Experience:
Bachelor’s/Advanced degree in Data Science, Statistics, Mathematics, Computer Science, or a related field.
3 to 5 years of experience in the data science and machine learning domain
Experience in the financial sector or credit risk management is a bonus.
Skills Required
- Bachelor's or advanced degree in Data Science, Statistics, Mathematics, Computer Science, or a related field
- 3 to 5 years of experience in data science and machine learning
- Expertise in statistical analysis, including hypothesis testing, regression analysis, probability theory, and data modeling
- Experience designing, developing, and delivering end-to-end data products and solutions
- Expertise in model explainability techniques such as SHAP and LIME
- Experience with regulatory compliance for risk models
- Strong proficiency in Python
- Working knowledge of PySpark
- Proficiency deploying models on AWS
- Familiarity with financial instruments and regulatory frameworks such as Basel III and IFRS 9
- Experience with NLP techniques
- Experience in the financial sector or credit risk management
What We Do
Yubi is the world's first possibility platform powering the discovery, investment, fulfilment of credit. We are re-defining global debt markets by freeing the flow of finance between borrowers, lenders, and investors. Yubi stands for ubiquitous, being present wherever our customers need us. From being a disruptor in India’s debt market to marching towards global corporate markets, we will unlock greatness together. We are on a mission to deepen and power the $120 Trillion global enterprise debt market which would unlock a GDP multiplier and thus, create massive economic value. The Yubi product suite is leading the empowerment of small, medium, and large enterprises on one side, and growing a healthy loan book for the larger Banking ecosystem on the other. As a debt platform for enterprises, lenders and investors, we offer the most comprehensive bouquet of debt products. Our suite of product offerings ensures that as a participant in the debt market - you find just what you are looking for! We believe that access to prudent finance is the right of all global citizens and that is what drives all of us here at Yubi. The future of finance starts here, propelled by technology, transparency, and mutual trust.
