Data Scientist (Risk) tabby

We are seeking a highly skilled and motivated Data Scientist to join our Data Science stream in the Risk Department. In this role, you will work on both operational model lifecycle tasks and next-generation ML initiatives, including hybrid modeling, behavioral modeling, and automation of our ML workflows. You ll work in a dynamic and fast-paced environment, contributing to projects that directly impact our risk decisioning capabilities and future ML stack.

• Design, develop, and maintain risk models using advanced machine learning techniques, including hybrid and sequential approaches.
• Regularly retrain, monitor, and validate existing models to ensure timely adaptation to changing customer behavior.
• Build and manage scalable data marts in BigQuery to support model development and analytical needs.
• Contribute to development of internal automation tools (e.g., AutoML components, ML workflows).
• Provide data-driven insights through ad-hoc analyses to support product, credit, and operations teams.
• Participate in early research and prototyping of new architectures (Transformers, foundation-style embeddings, multimodal models).

• At least 2 years of experience in roles such as Data Scientist, ML Engineer, or Risk Analyst, with a proven track record of impactful contributions in credit scoring.
• Proficiency in Python and experience with key data science and machine learning libraries (e.g., NumPy, Pandas, scikit-learn, CatBoost, XGBoost, LightGBM).
• Strong knowledge of PyTorch, with the ability to implement and fine-tune complex machine learning models.
• Advanced knowledge of SQL, with the ability to work effectively with large datasets.
• Experience in building and deploying end-to-end machine learning solutions that drive measurable business impact.
• Hands-on experience with tools like Airflow and Docker for deploying machine learning models into production.
• Fluency in English

Nice to have:

• Familiarity with cloud platforms such as AWS, Google Cloud Platform (GCP), or Microsoft Azure for scalable data analysis and model deployment.
• Proficiency in visualization tools like Tableau or Power BI to effectively communicate insights and support decision-making.
• Prior experience working with financial datasets and a strong understanding of risk management principles.