Job description Domain: Retail Banking / Credit Cards Location: Mumbai/ Bengaluru Experience: 3-5 years Industry: Banking / Financial Services (Mandatory) Why would you like to join us? TransOrg Analytics specializes in Data Science, Data Engineering and Generative AI, providing advanced analytics solutions to industry leaders and Fortune 500 companies across India, US, APAC and the Middle East. We leverage data science to streamline, optimize, and accelerate our clients' businesses. Visit at www.transorg.com to know more about us. What do we expect from you? - Build and validate credit risk models, including application scorecards and behavior scorecards (B-score), aligned with business and regulatory requirements. - Use advanced machine learning algorithms such as Logistic Regression, XGBoost, and Clustering to develop interpretable and high-performance models. - Translate business problems into data-driven solutions using robust statistical and analytical methods. - Collaborate with cross-functional teams including credit policy, risk strategy, and data engineering to ensure effective model implementation and monitoring. - Maintain clear, audit-ready documentation for all models and comply with internal model governance standards. - Track and monitor model performance, proactively suggesting recalibrations or enhancements as needed. What do you need to excel at? - Writing efficient and scalable code in Python, SQL, and PySpark for data processing, feature engineering, and model training. - Working with large-scale structured and unstructured data in a fast-paced, banking or fintech environment. - Deploying and managing models using MLFlow, with a strong understanding of version control and model lifecycle management. - Understanding retail banking products, especially credit card portfolios, customer behavior, and risk segmentation. - Communicating complex technical outcomes clearly to non-technical stakeholders and senior management. - Applying a structured problem-solving approach and delivering insights that drive business value. What are we looking for? - Bachelors or masters degree in Statistics, Mathematics, Computer Science, or a related quantitative field. - 3-5 years of experience in credit risk modelling, preferably in retail banking or credit cards. - Hands-on expertise in Python, SQL, PySpark, and experience with MLFlow or equivalent MLOps tools. - Deep understanding of machine learning techniques including Logistic Regression, XGBoost, and Clustering. - Proven experience in developing Application Scorecards and behavior Scorecards using real-world banking data. - Strong documentation and compliance orientation, with an ability to work within regulatory frameworks. - Curiosity, accountability, and a passion for solving real-world problems using data. - Cloud Knowledge, JIRA, GitHub(good to have)

Bangalore

Mumbai

TransOrg Analytics - Data Scientist - Credit Risk Modelling 

Job Description for TransOrg Analytics - Data Scientist - Credit Risk Modelling  in TransOrg Solutions Services (P) Ltd. in  Bangalore Mumbai for (3-5) years of experience. Apply Now!