Data Scientist – ML (Credit Card / Retail Banking Analytics) | EY | Bangalore / Mumbai

EY; Bengaluru, Mumbai; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

EY is seeking an experienced Data Scientist for its Technology Consulting team in Bangalore or Mumbai. You will design, develop, train, and deploy ML models tailored to credit card and retail banking analytics, using Python and major ML frameworks.

You will work with banking executives to translate data into strategic insights and drive digital transformation. The role requires 4–6 years of hands-on data science experience, strong SQL, and the ability to present complex results to senior

Qualifications

• Bachelor’s or Master’s degree in Computer Science, Statistics, Data Science, Applied Mathematics, Economics, or a related quantitative discipline.
• Minimum 4 to 6 years of professional data science experience specializing in credit card or retail banking analytics.
• Strong technical proficiency and hands-on programming expertise in Python and advanced SQL.
• Deep practical experience building machine learning models and statistical forecasting solutions.
• Hands-on experience with leading ML libraries including Scikit-Learn, XGBoost, LightGBM, TensorFlow, or PyTorch.

Responsibilities

• Design, develop, train, validate, and deploy ML models for credit card and retail banking analytics.
• Build propensity, activation, spend, attrition, cross-sell, and LTV models at scale.
• Author complex SQL queries and data pipelines for large retail banking datasets.
• Translate quantitative findings into actionable business insights for executives.
• Collaborate with technology consultants, strategists, and client stakeholders.

Skills

Python

SQL

ML libraries

Data wrangling

Communication

Education

Bachelor's or Master's in CS/Statistics/Analytics

Tools

Scikit-Learn

XGBoost

LightGBM

TensorFlow

PyTorch

Job description

Position Summary:

EY (Ernst & Young) is seeking an experienced, highly technical, and accomplished Data Scientist with 4 to 6 years of professional data science, retail banking analytics, and credit card portfolio modeling experience to join our Technology Consulting team on a full-time, permanent basis in Bangalore or Mumbai (notice period: immediate joiners only). In this specialized artificial intelligence and customer analytics role, you will spearhead building predictive machine learning models, propensity algorithms, activation models, spend propensity scores, attrition risk predictors, cross-sell engines, and customer lifetime value models. You will work closely with banking clients, strategy consultants, and technical engineering squads to translate complex transactional data into actionable business insights and high-impact AI solutions. Ideal candidates bring a robust academic degree in computer science, statistics, or analytics, deep practical mastery of Python, SQL, Machine Learning frameworks, and immediate availability for onboarding.

Detailed Job Description:

As a Data Scientist – ML in Technology Consulting at EY, you will take full ownership of designing, developing, validating, and deploying advanced machine learning models tailored for credit card and retail banking analytics. Your day-to-day responsibilities encompass extracting large-scale transactional datasets via SQL, engineering predictive features, training robust ML algorithms utilizing Scikit-Learn, XGBoost, LightGBM, TensorFlow, or PyTorch, and executing rigorous model performance evaluations. You will conduct customer analytics, portfolio segmentation, and campaign measurement analyses, partnering directly with banking executives to drive digital transformation and profitability. Working in a fast-paced global professional services and technology consulting environment across Bangalore and Mumbai, you will deliver cutting-edge data science solutions.

Key Responsibilities:

• Design, develop, train, validate, and deploy advanced machine learning models for credit card and retail banking analytics.
• Build propensity, activation, spend, attrition prediction, cross-sell, and customer lifetime value (LTV) models at scale.
• Author complex SQL queries and data extraction pipelines to process large volumes of retail banking transactional data.
• Apply statistical modeling techniques and machine learning algorithms using Python, Scikit-Learn, XGBoost, LightGBM, TensorFlow, or PyTorch.
• Conduct granular customer analytics, portfolio risk segmentation, campaign measurement, and ROI attribution analyses.
• Translate complex quantitative data findings into clear, strategic, and actionable business insights for banking executives.
• Collaborate proactively with technology consultants, business strategists, and client stakeholders during consulting engagements.
• Maintain comprehensive technical documentation, model validation reports, feature dictionaries, and code repositories.
• Adhere strictly to corporate data governance, model risk management, and information security standards.
• Coordinate immediate onboarding schedules for preferred immediate joiners based in Bangalore or Mumbai.

Required Qualifications & Skills:

• Bachelor’s or Master’s degree in Computer Science, Statistics, Data Science, Applied Mathematics, Economics, or a related quantitative discipline.
• Minimum 4 to 6 years of professional data science experience specializing in credit card or retail banking analytics.
• Strong technical proficiency and hands‑on programming expertise in Python and advanced SQL.
• Deep practical experience building machine learning models and statistical forecasting solutions.
• Hands‑on operational experience with leading machine learning libraries including Scikit-Learn, XGBoost, LightGBM, TensorFlow, or PyTorch.
• Strong conceptual understanding of customer analytics, retail banking portfolio analytics, and marketing campaign measurement.
• Proven ability to translate complex data analytics into compelling business presentations for senior stakeholders.
• Professional availability for full‑time employment with immediate joining in Bangalore or Mumbai

Nice-to-Have Skills:

• Advanced degree (Master’s or Ph.D.) in Statistics, Machine Learning, or Quantitative Finance.
• Hands‑on experience with cloud data platforms (AWS, Azure, Google Cloud Platform, Snowflake, Databricks).
• Prior working experience in Big 4 consulting firms, multinational banks, or financial technology (FinTech) product companies.
• Familiarity with Large Language Models (LLMs) and generative AI applications in banking.
• Bilingual proficiency in English and regional languages.

Application Information:

• Recruiter: EY Technology Consulting Practice
• Contact Name: Vidushi Kumar (Director, Technology Consulting)
• Salary/Rate: Competitive and commensurate with experience
• Deadline: Open until filled
• Notice Period: Immediate joiners only
• Contract Duration: Permanent / Full-Time (Bangalore / Mumbai)

Recruitment Pro Tip:

When applying for senior data science roles in banking consulting at EY, ensure your resume explicitly highlights your credit card portfolio modeling impact, production ML algorithm scale (XGBoost/LightGBM), and stakeholder communication track record.