Principal Data Scientist

8+ years of experience in risk management, underwriting, or credit analytics within fintech, lending, or specialty finance environments C1 English level or higher Proven track record building AI/ML-driven credit models, risk scorecards, and pricing frameworks Strong proficiency with Python, R, SQL, and Excel Deep expertise in risk-adjusted pricing, portfolio management, loss forecasting, and modeling techniques (regression, ML, ensemble methods, decision trees, neural networks) Experience managing and mentoring small, high-impact data or risk teams Solid understanding of cash-flow and alternative-data underwriting Skills Python R SQL Machine Learning Credit Scoring Risk Management Predictive Modeling Underwriting Portfolio Management Loss Forecasting