Data Scientist – Credit Risk & Machine Learning (FINTECH)

Humaura Talent; Pune District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Humaura Talent is seeking a Data Scientist specializing in Credit Risk and Machine Learning in Maharashtra, India. This role involves developing and optimizing data-driven lending solutions and requires 2-3 years of relevant experience, particularly in FINTECH.

The ideal candidate will have strong skills in Python and SQL, with a background in credit scoring and fraud detection. If you have a hands-on approach and are ready to join immediately, we invite you to submit your CV and any relevant GitHub projects.

Qualifications

• 2-3 years of experience in Data Science.
• Mandatory experience with credit scoring and fraud detection.
• Hands-on experience with model deployment and monitoring.

Responsibilities

• Develop and maintain credit risk and credit scoring models.
• Analyse large datasets to improve lending decisions.
• Collaborate with data partners on model evaluation.

Skills

Python

SQL

Machine Learning

Credit Risk Analytics

Statistical Techniques

Education

Master's degree in a quantitative discipline

Tools

Logistic Regression

Decision Trees

CI/CD practices

Job description

Data Scientist – Credit Risk & Machine Learning (FINTECH)

Mandatory: Prior FINTECH experience in credit scoring, digital lending, and fraud management.

We are partnering with a leading FINTECH organisation to hire an experienced Data Scientist who will play a pivotal role in building and optimising data-driven lending solutions. This opportunity is ideal for professionals with deep expertise in credit risk analytics, money lending products, and fraud detection, who are passionate about using machine learning to drive business impact.

Key Responsibilities

• Develop, enhance, and maintain credit risk and credit scoring models using advanced statistical and machine learning techniques.
• Collaborate with third-party partners and data providers on credit scoring initiatives, model evaluation, and portfolio performance analysis.
• Build predictive models for:
  • Fraud detection and fraud management
  • Other high-impact business use cases.
• Analyse large and complex datasets to identify trends, opportunities, and risks that improve lending decisions.
• Monitor, validate, and continuously improve model performance and effectiveness.
• Work closely with Data Engineering and Software Engineering teams to develop scalable, production-ready solutions.
• Create dashboards and reports that translate data insights into actionable recommendations for business stakeholders.
• Stay updated on emerging trends, technologies, and regulatory developments within Data Science and Credit Risk.
• Mentor junior Data Scientists and contribute to capability building within the team.
• Support the Head of Data in driving the organisation's data strategy.

What We’re Looking For – Mandatory Requirements:

• Master's degree in Computer Science, Statistics, Mathematics, Economics, or a related quantitative discipline.
• 2 - 3 years of experience in Data Science.
• Mandatory FINTECH experience involving:
• Credit Scoring
• Fraud Detection and Fraud Management
• Proven experience developing and deploying credit risk models within a FINTECH environment.
• Strong understanding of credit risk frameworks, regulations, and industry best practices.
• Strong programming skills in Python and SQL (R is an added advantage).
• Hands-on experience with model deployment, model monitoring, CI/CD practices, databases, and scalable systems design.
• Expertise in machine learning and statistical techniques, including:
• Logistic Regression
• Decision Trees
• Ability to translate business objectives into practical, data-driven solutions.
• Excellent communication and stakeholder management skills.
• Proven ability to work effectively with third parties and cross-functional teams.

Preferred

• Experience mentoring junior Data Scientists.
• GitHub projects, open-source contributions, or published research.
• Experience working in fast-paced, product-led environments.

Who You Are

• Practical, hardworking, and hands‑on.
• Results‑oriented with strong business acumen.
• Analytical and proactive in solving problems.
• Able to manage multiple priorities and thrive in dynamic environments.
• Passionate about building scalable solutions that deliver measurable business outcomes.

Immediate Joiners Preferred

If you have a strong FINTECH background with expertise in credit scoring, lending, and fraud management, and are available to join immediately or within a short notice period, we'd love to hear from you.

Apply with your updated CV and GitHub profile (if applicable).