[Remote] Senior Data Scientist – Credit & Risk Analytics_ODL

Note: The job is a remote job and is open to candidates in USA. FinacPlus is a Virtual Business Process Partner for global financial institutions and fintech companies, recognized for its collaborative culture and commitment to professional growth. They are seeking a Senior Data Scientist to support a UK-based fintech client by developing and validating credit risk models that enhance responsible lending and business outcomes. The role involves end-to-end ownership of model development, deployment, and governance, with a focus on leveraging diverse datasets for insightful decision-making.ResponsibilitiesYou will take ownership of designing, developing, and continuously refining credit risk scorecards, loss forecasting models, and collections and behavioural models that materially influence portfolio strategy, risk appetite, and sustainable growthYou will leverage a wide spectrum of internal and external datasets — including credit bureau data, loan performance data, and transactional and behavioural datasets — to generate deep, decision-grade insights that enhance underwriting precision and customer outcomesYou will architect and deliver robust, production-ready solutions in Python, ensuring code quality, scalability, reproducibility, and alignment with enterprise engineering standardsYou will partner closely with Engineering teams to drive seamless model deployment, automation, and integration into real-time decisioning environments, ensuring operational resilience and performance efficiencyYou will play a key role in strengthening and optimizing automated loan decisioning systems, enhancing model sophistication while maintaining transparency, fairness, and regulatory alignmentYou will lead model monitoring, validation, governance, and performance oversight frameworks, proactively identifying drift, stability risks, and opportunities for recalibrationYou will conduct advanced exploratory data analysis and strategic feature engineering to uncover new risk drivers and unlock incremental portfolio valueYou will translate complex statistical outputs into clear, commercially meaningful narratives for senior stakeholders, enabling confident and informed business decisionsYou will collaborate with Credit, Pricing, and Operations leadership to ensure analytics initiatives are tightly aligned with strategic priorities and commercial objectivesYou will contribute to the evolution of scalable data science frameworks, best practices, documentation standards, and technical governance processesSkills3–5 years of hands-on experience in Data Science / Risk AnalyticsStrong proficiency in PythonSolid command of SQLAdvanced understanding of Regression & classification techniquesAdvanced understanding of Model validation & stability testingAdvanced understanding of Performance metrics (AUC, KS, Gini, Precision/Recall, etc.)Advanced understanding of Bias/variance trade-offs and interpretabilityExperience deploying models into production environmentsExposure to version control systems (Git)Working knowledge of cloud platforms (AWS preferred)Experience in credit risk / lending / financial services analytics strongly preferredBenefitsRemote work modelDirect exposure to UK & US financial marketsOpportunity to work on production systems impacting real customersGreat Place to Work® Certified™ cultureClear growth pathways into senior analytics and leadership rolesCollaborative, high-accountability, ownership-driven environmentContinuous learning and global client interactionStable organization with strong governance and ethical practicesCompany OverviewFinacPlus offers virtual business processes, data analytics, finance, accounting, mortgage, and back-office management consulting services. It was founded in 2017, and is headquartered in Madhapur, Telangana, IND, with a workforce of 501-1000 employees. Its website is https://finacplus.com.