Data Scientist

About Valiance

Valiance is a deep-tech AI company building sovereign and mission-critical solutions for enterprises, public sector, and financial institutions. Our work spans AI-driven lending, computer vision, and generative AI platforms. We are trusted partners for large enterprises and governments in India and abroad, delivering impactful outcomes through data-driven solutions.

Role Overview

We’re looking for an experienced Credit Risk Scoring Engineer to design, build, and deploy cutting-edge data-driven scoring frameworks. This role will focus on leveraging mobile wallet data, merchant transaction flows, and alternative data sources to power credit decisioning for digital lending in emerging markets.

Key Responsibilities

• Model Development: Design, develop, and optimize credit scoring models using wallet, PSP, and merchant transaction data.
• Risk Segmentation: Build risk segmentation frameworks, define lending thresholds, and set decision rules.
• Deployment & Integration: Deploy scoring models into our lending platform and ensure seamless integration with MNOs and PSPs.
• Real-Time Decisioning: Implement API-based real-time scoring capabilities for instant loan approvals.
• Performance Monitoring: Continuously track portfolio performance and refine scoring strategies based on data-driven insights.

Required Experience (Must-Have)

• 5+ years of experience in credit scoring, risk modeling, or credit analytics .
• Proven track record in building credit scoring models for digital lending products .
• Strong expertise in leveraging mobile money data, PSP transaction data, or alternative data sources .
• Experience working with African fintech markets or other emerging markets (highly preferred).

Technical Skills

• Proficiency in Python, R, or similar tools for data modeling and analytics.
• Strong understanding of credit risk metrics : PD, LGD, EAD, NPL ratios, etc.
• Experience deploying scoring models via APIs for real-time decision engines.
• Familiarity with digital lending platforms and MNO/PSP integrations.
• Bonus: Knowledge of tools like Lendsqr, Kuunda, Jumo, Tala , or similar systems.