Mobihive-Credit Risk Analyst

"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.