Design and build credit risk scorecards (application, behavioral, and collections scorecards) to predict creditworthiness and optimize account management strategies.
Extract, clean, and preprocess data from various sources using SQL.
Develop and implement machine learning models for collections performance and delinquency prediction using Python (including libraries like pandas, scikit-learn).
Monitor model performance, conduct backtesting, recalibration, and validation adhering to regulatory standards.
Collaborate with business and data teams to translate credit risk requirements into modeling specifications.
Document modeling processes, assumptions, and results for internal governance and audit purposes.
ResponsibilitiesStrong proficiency in Python and SQL for data manipulation, modeling, and automation.
Proven experience in credit risk scorecard development and collections/account management modeling.
Understanding of credit risk model metrics (Delinquency, KS, Gini, AUC, etc.)
Experience with machine learning algorithms, feature engineering, and model monitoring techniques.
QualificationsBachelor’s in Engineering or Master’s degree in Statistics, Mathematics
Familiarity with credit bureau data and experience working in a BFSI environment.
Skills Required
- Strong proficiency in Python for data manipulation, modeling, and automation
- Strong proficiency in SQL for data extraction, cleaning, and preprocessing
- Proven experience in credit risk scorecard development and collections/account management modeling
- Experience with machine learning algorithms, feature engineering, and model monitoring techniques
- Understanding of credit risk model metrics (Delinquency, KS, Gini, AUC)
- Bachelor's in Engineering or Master's degree in Statistics or Mathematics
- Familiarity with credit bureau data and experience in a BFSI environment
- Experience with model backtesting, recalibration, validation, and regulatory compliance
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.
