Avp, Data Science

Job ID: 32014

Location: Bangalore, IN

Area of interest: Operations

Job type: Regular Employee

Work style: Office Working

Opening date: 19 Jun 2025

**Job Summary**
- You will become part of the product chapter and will work as data scientist on CIB Credit Transformation programme; your primary area of focus will be the Credit AI workstream. Credit Transformation is a key strategic agenda for CIB to uplift the core credit platform, drive end-to-end digitization and deliver a fully digitized, data driven Credit Origination model, leveraging internal & external data, and machine learning capabilities.- We are a business-first team with diverse skillset across coverage, risk, product management and technology, who work with frontline and Credit SMEs to find AI and analytics driven solutions to business problems and are ably supported by BAs, ML engineers, developers, MLOps and QA testers from our squads.- The Credit AI workstream is a big part of this agenda, and works to leverage Machine Learning, NLP and visual analytics to deliver products that drive better business outcomes. Some work products delivered by the workstream include Early warning system to identify stress on corporate entities using SOTA ML algorithms and a multi-platform Decision Insights ML product (E2E incl. data ingestion, transformation, prediction, presentation).- Working with the product manager, BAs and SMEs, you will take new ideas from the pipeline, develop POC solution and then take them to production-ready solutions. You will serve as an data science SME in Credit AI and be hands-on in ideating, developing, evaluating, and deploying AI/ML solutions (feature engineering, model development, evaluation, deployment, documentation, monitoring) to a live serving env.- Ideate->Build->Implement->Evolve advance AI and analytics products with relevant stakeholders, including Product Manager, BA, SMEs, Data Engineers, MLEs, MLOps
- Create ML powered solutions (including Gen AI) that have business outcomes like reduced TAT, Credit process efficiencies, reduced LI for the bank through early warnings on portfolio credit health and better visibility of client profile by understanding their transactional flows and business patterns.
- Work with UX team and product managers to convert ML results to actionable outcomes. Be able to create simple dashboards for POCs.
- Develop and implement processes and solutions for model technical and functional performance monitoring, concept and data (covariate, prior probability) drift detection, user feedback-driven model improvements.
- Be responsible for ensuring adherence of solutions to Responsible AI standards. This includes representing the solution at RAI council, providing any clarifications to local compliance teams, and enabling auditability and replayability of results.
- Design, develop, and implement generative AI models and algorithms, utilizing state-of-the-art models such as GPTs, LLaMAs, and frameworks in industrial settings.
- Assess the effectiveness and accuracy of data sources and data gathering techniques.
- Identify alternate data sources (vendors and open source) with the product manager; work with data org. to onboard and integrate.
- Present proposals and results in a clear manner backed by data and coupled with actionable conclusions.

**Key Responsibilities**

**Regulatory & Business Conduct**
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters

**Key stakeholders**
- All business and Credit stakeholders that are impacted or involved with Credit Lifecycle
- Credit Transformation Programme Manager
- Credit Transformation team
- Client Coverage COO
- T&I
- Credit Policy
- Credit Process Owners

**Other Responsibilities**
- Leverage the opportunity provided by Corporate Social Responsibility to enhance the Group’s internal and external reputation and indirectly influence the bottom-line.
- Promote the Group’s brand and Here for good with clients and regulators.
- Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
- Maintain effective communication with key stakeholders, including regulators and staff.

**Skills and Experience**

**Artificial Intelligence and Machine Learning**
- Develops, evaluation, implements and/or applies Machine Learning solutions for the continuous improvement and innovation of the Bank’s and/or clients’ processes, products, and business. Can perform data transformation, feature engineering, picking the right method to evaluate model performance (eg.. RMSE, log