Senior ML Modeler Credit Risk, Collections

2 weeks ago

Bengaluru Gurugram, India Kriyah Consulting Full time ₹ 20,00,000 - ₹ 25,00,000 per year

Job Summary:

We are hiring an experienced ML Modeler / Lead with strong hands-on expertise in developing, validating, and deploying machine learning models in the banking & financial services domain. The role focuses on credit risk models, acquisition & behavioral scorecards, collections strategies, and fraud detection models.

The ideal candidate is a hardcore ML modeler who has built and implemented XGBoost, Decision Tree, and Ensemble models for BFSI, and can take end-to-end ownership from data preparation to deployment & monitoring.

Key Responsibilities:

  • Develop, implement, and validate ML models for credit risk, collections, behavior scorecards, and fraud detection.
  • Build acquisition scorecards and customer lifecycle models for retail banking.
  • Work on collections strategies, ECM, HRAM models to drive business impact.
  • Hands-on development using Python, SQL, Scikit-learn, TensorFlow, PyTorch.
  • Apply ML techniques (XGBoost, Decision Trees, GBM, Random Forest, Regression, etc.).
  • Deploy models into production environments (Cloud / On-Prem) and monitor performance.
  • Partner with model validation and MRM teams to defend models during audit.
  • Lead/mentor junior data scientists and contribute to innovation in BFSI analytics.

Desired Skills & Experience:

  • 8+ years of applied ML model development in banking / financial services domain.
  • Proven track record in credit risk modeling, collections, fraud detection, and behavioral scorecards.
  • Strong Python, SQL, ML libraries (Pandas, Numpy, Scikit-learn, TensorFlow, PyTorch).
  • Hands-on with XGBoost, Decision Trees, Ensemble Methods.
  • Experience with MLOps tools (MLflow, Airflow, Docker, Kubernetes) preferred.
  • Excellent understanding of retail banking strategies underwriting, ECM, HRAM, recoveries.

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