Senior Credit Risk Decision Scientist - Consumer Lending/Loans

This rapidly expanding financial services company are seeking a Senior Credit Risk Decision Scientist to join their Consumer Lending function. Working with the Commercial Director you develop credit risk analytics solutions to enhance Credit Scoring & Lending decisioning to optimise and grow their loan portfolio.Key Responsibilities:

• Developing and implementing advanced statistical models and preferably machine learning algorithms to predict credit risk, optimise credit scoring, and enhance our decision-making/underwriting processes.
• Develop and maintain predictive models to assess credit risk and forecast customer behaviour.
• Analyse large datasets to identify trends, patterns, and insights that inform business decisions.
• Perform data cleaning to ensure high-quality data for analysis,
• Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies.
• Develop credit risk models, such as probability of default (PD) using various modelling techniques.
• Working independently and presenting findings and recommendations to stakeholders in a clear and concise manner.

Key Skills / Experience:

• Experience in the Financial Services Industry (Essential)
• Experience working with large data sets, Excel and SQL proficiency (Essential)
• Degree in relevant subject (Data Science, Statistics, Computer Science, Economics or similar degree) (Essential)
• Strong proficiency in programming languages such as Python, R (Preferable)
• Experience using Salesforce and data visualisation tools (Preferable)
• Strong presentation skills, including the ability to translate complex data into understandable insight
• A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate.
• Able to work in a fast paced, changing environment.