Lead, Credit Data Science, AI/ML

Job ID: 36123

Location: Bangalore, IN

Area of interest: Operations

Job type: Regular Employee

Work style: Office Working

Opening date: 5 Aug 2025

Job Summary

• This role is a leadership role within the Standard Chartered CIB Credit Transformation programme. This role will lead a team of Data Scientists and Analyst, ensuring the wider adoption and use of the AI and analytics solution to drive the business value in Credit. The ideal candidate will have deep expertise in AI, Data Science, Analytics, Credit processes and design patterns along with strong leadership and product management skills.
• 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).

Key Responsibilities

The Lead, Data Science, AI and Analytics will be responsible for:

• Accountable for the delivery of all significant internal and vendor-related use cases utilizing AI and Analytics solutions in CIB Credit
• Responsible for identifying and maintaining a robust portfolio of potential use cases within the Credit domain
• Charged with the innovation, development, and delivery of advanced AI and Analytics solutions to achieve the business objectives
• Responsible for the quality and fit-for-purpose development of AI and Analytics solutions
• Responsible for fostering the capability building and career development of data science and Analyst workforce in Credit
• Coach and mentor our team as we build scalable AI and analytics solutions
• Accountable for the effective execution of the Credit Analytics & Credit AI strategy
• Consulted for innovating new AI solutions and maximizing the impact AI solutions can bring in the business benefit in the respective markets
• Consulted as a subject matter expert on topics of AI, Data Science and Analytics in Credit, driving AI innovation across Client Coverage & Standard Chartered Bank.

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

• Coverage, GCM, PAM, Coverage COO & CIO MT
• All business and Credit stakeholders that are impacted or involved with Credit Lifecycle
• CDO & AI Architect Team
• Credit Transformation Programme Manager
• Credit Transformation team
• 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

• Leadership
• Artificial Intelligence (AI) and Generative AI
• Machine Learning
• Data Science
• Statistical analysis
• Python
• Product Management
• Model Development
• AI Performance Metrics
• AI Design Patterns

Qualifications

• Minimum 15 years of experience in Technology
• Proven experience in a senior AI Product development role, with a track record of successfully leading AI based initiatives.
• Design and develop AI models and leverage metrics to support predictions, recommendations, automation, and growth strategies.
• Deep understanding of traditional ML techniques such as: classification, clustering, deep learning, optimization methods, supervised and unsupervised techniques.
• Design, develop, and implement generative AI Language Models and algorithms, utilizing state-of-the-art models such as GPTs, LLaMAs, and frameworks (such as RAG) in industrial settings.
• 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.
• Participate in feasibility analysis of business use cases, and validate using POCs
• Attend various forums as a representative of the AI and Advanced Analytics workstream within CIB Credit and be able to confidently and authoritatively present and discuss solutions implemented.
• Proficiency in AI metrics, observability, and model optimization techniques.
• Excellent project management and organizational skills, with the ability to prioritize and manage multiple tasks simultaneously.
• Strong communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.
• Passion for innovation and staying updated with the latest advancements in AI technology.
• Hands on with AI platform Development Expert using programming languages such as Python, Java, etc..
• Education: Master'S OR PH.D. In Computer Science, Artificial Intelligence, Data Science, Or A Related Field

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.