Associate - Business Analyst-Data Science-Data Scientist

Design and build credit risk scorecards (application, behavioral, and collections scorecards) to predict creditworthiness and optimize account management strategies.

Extract, clean, and preprocess data from various sources using SQL.

Develop and implement machine learning models for collections performance and delinquency prediction using Python (including libraries like pandas, scikit-learn).

Monitor model performance, conduct backtesting, recalibration, and validation adhering to regulatory standards.

Collaborate with business and data teams to translate credit risk requirements into modeling specifications.

Document modeling processes, assumptions, and results for internal governance and audit purposes.