Senior Credit Modeling Expert

5 days ago

Bengaluru, Karnataka, India beBeeCreditRiskModeling Full time US$ 1,50,000 - US$ 2,50,000
Job Overview

The Lead Credit Risk Modeler will champion project delivery and lead the design, development, validation, and implementation of advanced credit risk models for diverse portfolios across banking, fintech, and other lending sectors.

This role involves collaborating with data science leads and consulting experts to understand business needs and identify strategic areas where data science modeling can drive strong business impact. The Lead Credit Risk Modeler will engage with client stakeholders to understand business challenges, risk appetite, and regulatory context.

Key Responsibilities:

  • Collaborate with data science teams and consulting professionals to develop advanced credit risk models.
  • Engage with clients to understand their business requirements and objectives.
  • Design and implement end-to-end model development projects from requirements gathering to implementation across Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), IFRS 9 ECL, and stress testing frameworks.
  • Develop credit scoring models leveraging alternate data sources, such as telco usage, e-commerce behavior, social and utility payment data, open banking, and digital footprint, to expand credit access and improve risk assessment.
Qualifications:
  • Basic Qualifications: Bachelor's or Master's degree in Statistics, Mathematics, Economics, Finance, Data Science, or a related quantitative discipline; PhD preferred for advanced modeling leadership roles.
  • 12 years of experience in credit risk modeling, with at least 3-4 years in a team lead or project management role.
  • Proven track record in developing, validating, and implementing PD, LGD, EAD, IFRS 9 ECL, and stress testing models.
  • Experience across the full credit lifecycle: application, behavioral, collections, and portfolio monitoring models.
  • Demonstrated expertise in alternate data credit scoring, e.g., telco, utility, social, e-commerce, open banking data, and integrating it into traditional risk frameworks.

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