Data Scientist - Credit Risk - 2+ Year - Remote

Analyst – Data Science (Credit Risk) – 2+ Years – Remote

An exceptional opportunity for credit risk analytics professionals with expertise in LTV modelling, portfolio risk analytics, and U.S. credit card portfolio strategies. In this role, you will work on high-impact credit risk initiatives, partnering with cross-functional teams to drive profitability and portfolio performance.

Location: Remote 
Experience: 2+ Years in Credit Risk / Lending Analytics

Your Future Employer:

A fast-growing AI/ML-driven fintech specializing in risk analytics, data enrichment, and financial data intelligence. With a global presence and cutting-edge work in AI, ML & NLP, the company partners with some of the largest financial institutions in the U.S. Join a dynamic team shaping the future of credit risk solutions.

Responsibilities:

• Build, validate, and enhance LTV models, credit risk models, and profitability frameworks

• Work on Risk–Reward trade-off modelling to optimize credit acquisition and portfolio strategies

• Conduct data extraction, validation, exploratory analysis, and evaluate new data sources

• Drive portfolio analytics initiatives to monitor & improve credit performance

• Partner with product, marketing, and risk teams to design data-driven credit policies & lifecycle strategies

• Perform profitability segmentation and identify high-value or high-risk customer cohorts

• Support pricing, credit line management, and risk simulations using predictive modelling

• Analyse internal and bureau data to generate actionable portfolio insights

Requirements:

• 2+ years of experience in credit cards, consumer lending, or portfolio risk analytics

• Hands-on experience in LTV modelling, risk–reward trade-off, profitability optimization

• Proficiency in Python or R, and strong SQL for data manipulation

• Expertise in predictive modelling: logistic regression, decision trees, gradient boosting, survival analysis

• Experience working with credit bureau data, scorecards, forecasting, and U.S. credit systems

• Strong communication skills with ability to explain insights to business & technical stakeholders

What’s in it for You:

• Work directly on end-to-end credit portfolio analytics

• Exposure to U.S. credit card portfolios & advanced risk strategies

• Opportunity to shape real business outcomes within a fast-growing AI/ML environment
  

Reach Us:
If this role aligns with your career aspirations, please share your updated CV at vanshika.kapoor@crescendogroup.in for a confidential discussion.

Disclaimer:
Crescendo Global specializes in senior to mid-level niche recruitment. We are committed to providing an inclusive, transparent, and engaging hiring experience. We never request payment or system upgrades during any hiring process. Verify all opportunities at www.crescendo-global.com.