Credit Risk Data Scientist: Modeling & Validation

CRIF; Kraków; On-site; PLN 180,000 - 280,000; Full time

Benefits offered by this job

Stable employment

Comprehensive benefits package

Language courses

Team-building activities

Professional development opportunities

Social responsibility initiatives

Job summary

CRIF is seeking experienced professionals in Kraków to develop, validate, and monitor credit scoring and other statistical risk models. You will participate in the full model lifecycle and collaborate with risk experts and technical teams to deliver robust analytical solutions.

You will alternate between Model Developer and Model Validator roles, process data for modeling activities, and support regulatory reviews including KNF and ECB.

Qualifications

• 4+ years of experience in credit risk modeling or related analytics.
• Strong SQL skills and advanced knowledge of Python or R.
• Solid background in statistics, econometrics, and predictive modeling.
• Hands-on experience in model validation and model monitoring.
• Ability to critically assess methodologies, challenge assumptions, and defend analytical solutions.
• Awareness of personal data protection issues.
• Strong communication skills in Polish and English.

Responsibilities

• Develop a deep understanding of the business context to align analysis with goals.
• Develop and enhance CREDIT SCORING and OTHER STATISTICAL RISK MODELS.
• Participate in the full model lifecycle: development → validation → implementation → monitoring → recalibration/redevelopment.
• Perform independent validation of models developed by others.
• Alternate between the roles of Model Developer and Model Validator across projects.
• Prepare, process, and analyze data used in modeling activities.
• Conduct validation testing and challenge model assumptions, methodologies, and outcomes.
• Monitor model performance and identify the need for recalibration or redevelopment.
• Prepare development, validation, and monitoring reports.
• Create and maintain model documentation compliant with internal governance and regulatory requirements.
• Collaborate with business stakeholders, risk experts, and technical teams.
• Support regulatory reviews and audits, including requests from supervisory authorities such as KNF and ECB.
• Prepare and deliver daily, weekly, monthly and quarterly reports, operational metrics, and other relevant business data.

Skills

Credit risk modeling

SQL

Python

R

Statistics

Model validation

Monitoring

Communication (Polish/English)

Tools

SQL

Python

R

Job description

CRIF is seeking experienced professionals in Kraków to develop, validate, and monitor credit scoring and other statistical risk models. You will participate in the full model lifecycle and collaborate with risk experts and technical teams to deliver robust analytical solutions.

You will alternate between Model Developer and Model Validator roles, process data for modeling activities, and support regulatory reviews including KNF and ECB.