Credit Scoring Model Developer

About the Company

Mobihive Labs Limited is a fast-growing fintech company dedicated to revolutionizing the lending industry through technology-driven credit solutions. We leverage data science, machine learning, and alternative data sources to enhance credit decision-making and financial inclusion.

Responsibilities

• Design, develop, and maintain credit scoring models for various lending products
• Utilize alternative data sources such as transaction and behavioral data to improve risk assessment
• Implement machine learning techniques to optimize credit decisioning
• Continuously monitor and refine credit models to improve accuracy and reduce default rates
• Collaborate with data engineers, product managers, and risk teams to integrate models into production
• Conduct A/B testing and back testing to validate model effectiveness
• Ensure compliance with regulatory guidelines while maintaining innovative approaches
• Develop real-time credit risk strategies to enhance customer experience

Requirements

• 5+ years of experience in credit risk modeling within a fintech environment
• Strong knowledge of machine learning algorithms and statistical techniques
• Hands-on experience with Python, R, SQL, and data science tools
• Familiarity with alternative credit data sources and their integration
• Experience working with cloud platforms such as AWS, GCP, or Azure
• Understanding of regulatory requirements around credit risk in fintech
• Strong problem-solving and analytical skills
• Ability to work in a fast-paced, agile, and data-driven environment

Preferred Qualifications

• Experience in developing real-time credit decisioning models
• Knowledge of explainable AI (XAI) and fairness in credit modeling
• Prior experience in lending, BNPL, or digital credit products within fintech