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Data Scientist 4+years
2 weeks ago
**Key Responsibilities-**
Banking Transaction Analysis & Modeling
- Develop machine learning models to analyze banking transactions, identify spending patterns, and assess financial behavior.
- Build alternative credit scoring models using transactional data and behavioral analytics.
- Detect fraudulent activities and financial anomalies using AI-driven techniques.
Data Engineering & Infrastructure
- Work with structured and unstructured financial data from banking APIs, Open Banking frameworks, and credit bureaus.
- Design and optimize data pipelines for real-time analytics and credit decisioning.
- Implement data normalization and classification techniques for unstructured banking statements.
Risk Assessment & Predictive Analytics
- Develop risk models that align with regulatory frameworks (e.g., AML, KYC, Basel II/III).
- Leverage alternative data sources (mobile money transactions, digital footprints) for enhanced financial profiling.
Regulatory Compliance & Explainable AI
- Ensure models meet regulatory standards and industry best practices for financial data usage.
- Develop explainable AI models for transparent credit decisioning.
- Collaborate with compliance and product teams to enhance data-driven lending solutions.
Required Qualifications
✔ 5+ years of experience in data science, specializing in banking transactions, credit scoring, or financial modeling.
✔ Strong expertise in Python, R, SQL, and machine learning frameworks (TensorFlow, Scikit-Learn, XGBoost).
✔ Hands-on experience with big data tools (Hadoop, Spark) and cloud platforms (AWS, Azure, GCP).
✔ Deep understanding of banking transactions, payment processing, and financial data structures.
✔ Experience working with Open Banking APIs, PSD2 compliance, and financial data aggregators.
✔ Strong knowledge of risk modeling, fraud detection, and credit analysis methodologies.
**Preferred Skills-**
- Experience with alternative credit scoring models using behavioral data.
- Knowledge of graph analytics for fraud detection and AML compliance.
- Experience integrating AI-driven financial solutions into banking ecosystems.
Pay: ₹60,000.00 - ₹65,000.00 per month
**Benefits**:
- Work from home
Schedule:
- Day shift
Work Location: Remote
Application Deadline: 29/05/2025
Expected Start Date: 10/06/2025