"Job Title: Credit Scoring Model Developer
Location: Pune
Company Overview:
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.
Job Summary:
We are seeking an experienced Credit Scoring Model Developer with a fintech background to design, develop, and enhance our credit risk assessment models. The ideal candidate will have deep expertise in credit risk modeling, machine learning, and working with non-traditional data sources to improve credit decisioning. This role requires hands-on experience in developing models specifically for fintech lending, as opposed to traditional banking environments.
Key Responsibilities:
• Design, develop, and maintain credit scoring models for various lending products.
• Utilize alternative data sources (e.g., transaction data, behavioral data, digital footprints) to improve credit risk assessment.
• Implement machine learning techniques to optimize credit decisioning and risk assessment.
• 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 systems.
• Conduct A/B testing and back testing to validate model effectiveness.
• Ensure compliance with regulatory guidelines while maintaining innovative risk assessment approaches.
• Develop real-time credit risk strategies to enhance customer experience and risk mitigation.
Qualifications & Skills:
• 5+ years of experience in credit risk modeling within a fintech environment (not banking).
• Strong knowledge of machine learning algorithms, statistical techniques, and credit risk modeling methodologies.
• Hands-on experience with Python, R, SQL, and data science tools.
• Familiarity with alternative credit data sources and their integration into risk models.
• 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 with a focus on execution.
• 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.
Why Join Us?
• Be part of a dynamic and innovative fintech team.
• Work on cutting-edge credit risk models using AI and alternative data.
• Competitive salary, benefits, and equity options.
• Growth opportunities in a rapidly expanding company.
