• You will be working as our Data scientist in the Risk/Data department currently consisting of data scientists, risk and portfolio managers scattered across Riga, Paris and Lagos.
• Your mission is to build credit underwriting models according to the company OKR s offering the best tailored credit services to as many clients as possible.
• Your goal is to build FairMoney as the No 1 digital lender in India and Nigeria.

Roles and Responsibilities:

• Work with stakeholders throughout the organization to identify opportunities for leveraging company data to drive business solutions.
• Mine and analyze data from company databases to drive optimization and improvement of product development, marketing techniques and business strategies.
• Assess the effectiveness and accuracy of new data sources and data gathering techniques.
• Develop custom data models and algorithms to apply to data sets.
• Use predictive modeling to increase and optimize customer experiences, revenue generation, and other business outcomes.
• Coordinate with different functional teams to implement models and monitor outcomes.
• Develop processes and tools to monitor and analyze model performance and data accuracy
• Apply advanced statistical and data mining techniques in order to derive patterns from the data
• Develop solutions by using AI/ML technology to solve business problems ranging from optimization of customer experiences to revenue generation and profit maximisation, and other business outcomes.

Skills Required:

• 3+ years of business experience including analytics, data mining and/or predictive data modelling, preferably in credit risk field
• Strong academic background in Mathematics / Statistics / Econometrics / Computer science or related field (Bachelor s Degree required)
• Advance exposure to key Machine learning algorithms (GBM, XG-Boost, Random Forest, Neural networks, Bayesian methods, Logistic regression etc.)
• Hands on experience in handling large volume of numerical/textual data
• Strong programming skills (Python)
• Proficiency in using query languages such as SQL
• Strong analytical skills: ability to make sense out of a variety of data and its relation/applicability to the specific business problem
• Experience in the field of lending, building models around Credit risk, fraud, collection would be a big plus
• Strong communication skills