Mobihive-Credit Risk Analyst

2 days ago

Pune, India Nexthire Full time

"Job Title: Credit Scoring Model Developer Location: Pune Company Overview: Mobihive Labs Limited is a fast-growing fintech company dedicated to revolutionizing the lending industry through technology-driven credit solutions. We leverage data science, machine learning, and alternative data sources to enhance credit decision-making and financial inclusion. Job Summary: We are seeking an experienced Credit Scoring Model Developer with a fintech background to design, develop, and enhance our credit risk assessment models. The ideal candidate will have deep expertise in credit risk modeling, machine learning, and working with non-traditional data sources to improve credit decisioning. This role requires hands-on experience in developing models specifically for fintech lending, as opposed to traditional banking environments. Key Responsibilities: • Design, develop, and maintain credit scoring models for various lending products. • Utilize alternative data sources (e.g., transaction data, behavioral data, digital footprints) to improve credit risk assessment. • Implement machine learning techniques to optimize credit decisioning and risk assessment. • Continuously monitor and refine credit models to improve accuracy and reduce default rates. • Collaborate with data engineers, product managers, and risk teams to integrate models into production systems. • Conduct A/B testing and back testing to validate model effectiveness. • Ensure compliance with regulatory guidelines while maintaining innovative risk assessment approaches. • Develop real-time credit risk strategies to enhance customer experience and risk mitigation. Qualifications & Skills: • 5+ years of experience in credit risk modeling within a fintech environment (not banking). • Strong knowledge of machine learning algorithms, statistical techniques, and credit risk modeling methodologies. • Hands-on experience with Python, R, SQL, and data science tools. • Familiarity with alternative credit data sources and their integration into risk models. • Experience working with cloud platforms such as AWS, GCP, or Azure. • Understanding of regulatory requirements around credit risk in fintech. • Strong problem-solving and analytical skills with a focus on execution. • Ability to work in a fast-paced, agile, and data-driven environment. Preferred Qualifications: • Experience in developing real-time credit decisioning models. • Knowledge of explainable AI (XAI) and fairness in credit modeling. • Prior experience in lending, BNPL, or digital credit products within fintech. Why Join Us? • Be part of a dynamic and innovative fintech team. • Work on cutting-edge credit risk models using AI and alternative data. • Competitive salary, benefits, and equity options. • Growth opportunities in a rapidly expanding company.

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