Job Title

Senior Data Scientist – Credit & Risk AnalyticsAt FinacPlus, we are more than a service provider — we are a Virtual Business Process Partner to leading global financial institutions and fintech companies. Our teams integrate seamlessly with client organizations, delivering high-impact analytics, finance, risk, and technology capabilities from India. FinacPlus is a Great Place to Work® Certified™ organization, recognized for our collaborative culture, strong leadership values, employee-first philosophy, and commitment to professional growth. If you are looking for global exposure, ownership-driven work, and meaningful career acceleration — this is where you belong. We are currently hiring a Senior Data Scientist (3–5 years experience) to support a UK-based fintech client in strengthening and scaling their credit risk and automated decisioning ecosystem. This role offers true end-to-end ownership — from model development and validation to production deployment and governance — with direct business impact. As a Senior Data Scientist, you will serve as an embedded analytics leader working alongside Data Science, Credit Risk, Engineering, and Product stakeholders. You will design and enhance advanced credit models that drive responsible lending, portfolio growth, and customer outcomes. You will not just build models — you will influence business decisions.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 growth.You 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 outcomes.You will architect and deliver robust, production-ready solutions in Python, ensuring code quality, scalability, reproducibility, and alignment with enterprise engineering standards.You will partner closely with Engineering teams to drive seamless model deployment, automation, and integration into real-time decisioning environments, ensuring operational resilience and performance efficiency.You will play a key role in strengthening and optimizing automated loan decisioning systems, enhancing model sophistication while maintaining transparency, fairness, and regulatory alignment.You will lead model monitoring, validation, governance, and performance oversight frameworks, proactively identifying drift, stability risks, and opportunities for recalibration.You will conduct advanced exploratory data analysis and strategic feature engineering to uncover new risk drivers and unlock incremental portfolio value.You will translate complex statistical outputs into clear, commercially meaningful narratives for senior stakeholders, enabling confident and informed business decisions.You will collaborate with Credit, Pricing, and Operations leadership to ensure analytics initiatives are tightly aligned with strategic priorities and commercial objectives.You will contribute to the evolution of scalable data science frameworks, best practices, documentation standards, and technical governance processes.QUALIFICATIONS AND EXPERIENCE3–5 years of hands-on experience in Data Science / Risk AnalyticsStrong proficiency in Python, Solid command of SQLAdvanced understanding of:Regression & classification techniquesModel validation & stability testingPerformance metrics (AUC, KS, Gini, Precision/Recall, etc.)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 preferredWHAT MAKES YOU A STRONG FITDemonstrated ability to own the full data science lifecycleStrong analytical judgement and business contextualization skillsAbility to balance statistical rigour with commercial practicalityClear communication skills for technical and non-technical stakeholdersPassion for building scalable, responsible lending systemsWHY HIGH-PERFORMING TALENT CHOOSES FINACPLUSDirect 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 practicesDemonstrated ability to own the full data science lifecycleLOCATION: Work from Home, IndiaTIMINGS: UK Shift IST 2-00pm to 11-00pmSALARY RANGE: Best in Industry