Data Analyst Credit Specialist

5 days ago

udaipur, India beBeeCredit Full time

Job Title: Data Scientist Job Description:We are seeking an experienced Data Scientist to join our team. The ideal candidate will have a strong background in credit card analytics, portfolio management, and risk strategy.The successful candidate will be responsible for developing, validating, and enhancing LTV models, credit risk models, and portfolio profitability frameworks. They will work closely with cross-functional teams to design data-driven credit policies, limit strategies, and customer lifecycle interventions.The Data Scientist will also lead portfolio analytics initiatives to track and improve credit performance. This includes analyzing large-scale datasets (internal + bureau data) to extract actionable insights for portfolio health monitoring.Required Skills & Experience:Minimum 2 years of experience in credit card, consumer lending, or portfolio risk space.Proven experience in LTV modelling, risk–reward trade-off, and portfolio profitability optimization.Hands-on proficiency in Python or R for statistical modelling and SQL for data extraction/manipulation.Expertise in predictive modelling (logistic regression, decision trees, gradient boosting, survival analysis).Experience with credit bureau data, scorecards, and portfolio forecasting techniques and familiarity with U.S. credit systems.Ability to communicate findings clearly to both technical and business audiences.Benefits:Work on end-to-end credit portfolio analytics driving real financial outcomes.Exposure to U.S. credit card portfolios and data-driven risk strategy.Collaborate with cross-functional teams across risk, marketing, and product to shape growth and profitability.Why Choose Us?Drive real financial outcomes through data-driven decisions.Work with a talented team of professionals in the field of credit card analytics.Opportunity to grow and develop your skills in a dynamic environment.

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