We are seeking a Manager - Credit Risk Model Development to lead the design, development, and deployment of credit scoring models for digital lending projects. The candidate will be responsible for building robust, regulatory-compliant scoring frameworks using bureau, bank statement, GST, and transaction data.
Also, a candidate with strong expertise in mobile application development, who has actively contributed to or closely worked on the complete lifecycle of mobile apps—including planning, implementation, execution, and optimization. The ideal candidate should possess solid hands-on experience with JavaScript and Python, particularly using the Kivy framework for cross-platform development. Additionally, a working proficiency in Flutter and Dart is essential, with the ability to build responsive, scalable, and user-friendly mobile interfaces. A keen understanding of mobile architecture and performance analysis will be highly valued.
The role involves working closely with domain experts, product managers, solution architects, and compliance specialists to design and deploy models that improve credit underwriting and portfolio quality.
Key responsibilities include:
- Develop application, behavioural, and collection scorecards using statistical and ML techniques.
- Perform feature engineering using structured and alternative data sources.
- Conduct model validation, back-testing, stress testing, and bias/fairness checks.
- Implement champion-challenger models and ongoing monitoring frameworks.
- Collaborate with architects to deploy models in production. (real-time and batch)
- Ensure compliance with RBI digital lending guidelines, model governance standards, and internal risk frameworks