Credit Scoring Data Scientist

📋 Description Build credit scoring models (application & behavioral) from scratch Own end-to-end modeling lifecycle: explore data, feature engineering, modeling Validate models using AUC, KS, Gini, PSI, and bad rate Monitor production models and trigger recalibration or retraining Translate models into specs for decision engines Collaborate with product and risk to adjust strategies and pricing 🎯 Requirements 2+ years of credit risk modeling experience Proven experience building or validating credit scoring models (application or behavioral) Strong Python (pandas, scikit-learn) and SQL skills Experience with lending products (loans, credit cards, BNPL) Experience translating models into production/decision engine logic Understanding of business impact evaluation (NPV, backtesting, portfolio metrics)