Data Scientist, Credit Risk & Portfolio Analytics

bluCognition; United States; A distancia; USD 120.000 - 160.000; Jornada completa

Descripción de la vacante

bluCognition is seeking a Data Scientist focused on credit risk analytics to advance LTV and profitability models for U.S. credit portfolios. You will translate data insights into actionable strategies for risk, pricing, and growth.

The role requires hands-on modeling in Python or R, experience with credit bureau data and scorecards, and clear communication to technical and business audiences while collaborating with Risk, Product, and Marketing teams.

Formación

• Degree from a top-tier institution; quantitative field preferred; advanced degree preferred.
• 2+ years of experience in credit card, consumer lending, or portfolio risk space.
• Ability to communicate findings clearly to both technical and business audiences.

Responsabilidades

• Develop, validate, and enhance LTV models, credit risk models, and portfolio profitability frameworks.
• Lead RiskReward trade-off modelling to optimize acquisition and portfolio strategies.
• Extract and explore data, validate data integrity, perform ad hoc analysis, evaluate new data sources.
• Lead portfolio analytics initiatives to track and improve credit performance.
• Partner with risk, product, and marketing teams to design data-driven credit policies, limit strategies, and customer lifecycle interventions.
• Conduct profitability segmentation to identify high-value and high-risk customer cohorts.
• Support pricing and credit limit optimization using predictive modelling and scenario simulations.
• Analyse large-scale datasets (internal + bureau data) to extract actionable insights for portfolio health monitoring.

Conocimientos

LTV modelling

Risk-reward trade-off

Portfolio profitability optimization

Python or R

SQL

Predictive modelling

Credit bureau data and scorecards

Communication to technical and бизнес

Educación

Quantitative degree

Herramientas

Python

R

SQL

Descripción del empleo

bluCognition is seeking a Data Scientist focused on credit risk analytics to advance LTV and profitability models for U.S. credit portfolios. You will translate data insights into actionable strategies for risk, pricing, and growth.

The role requires hands-on modeling in Python or R, experience with credit bureau data and scorecards, and clear communication to technical and business audiences while collaborating with Risk, Product, and Marketing teams.