Data Scientist

Job Summary

As a Data Scientist, you will play a key role in driving data-driven decisions and supporting business objectives. You will be responsible for developing data models, conducting advanced analyses, and extracting actionable insights to support business objectives. Your expertise in Python, machine learning libraries, web frameworks like Flask and FastAPI will be essential, along with your experience working with financial data, particularly in credit lending and credit risk.

Job Details

RESPONSIBILITIES:

Data Analysis & Modelling:

• Develop predictive models to assess credit risk and lending outcomes.
• Utilize Python libraries (e.g., Pandas, Scikit-Learn, TensorFlow) to build, train, and evaluate machine learning models.

Machine learning Model Deployment:

• Design, develop, and deploy credit-risk decisioning models as APIs using frameworks such as Flask or FastAPI.
• Ensure that deployed models are scalable, maintainable, and easily accessible for other teams via RESTful APIs.
• Monitor and maintain model performance post-deployment, ensuring high accuracy, availability and reliability.

Data Collection & Pre-processing:

• Clean large financial datasets, including credit lending and credit risk data, ensuring data is structured, and ready for analysis.

Data Governance & Compliance:

• Ensure compliance with data privacy and security standards, when working with sensitive financial and credit data.
• Document data sources, methodologies, and model parameters to ensure transparency and reproducibility.

Large Language Models:

• Apply LLMs and other advanced NLP techniques to extract insights from unstructured financial text data.
• Integrate LLM Chatbots with CRM systems and other in-house tools to improve customer satisfaction.

Requirements

• Bachelor’s degree in Computer Science, Mathematics, Statistics, or a related field. 
• Relevant Certifications (e.g., IBM Data Science Professional Certificate, Microsoft Certified: Azure Data Scientist Associate, Tensorflow Developer Certificate) are an added advantage.
• 1 - 3 years of experience in data science or a related field, preferably within the financial services sector.
• Experience working with credit lending, credit risk or other financial datasets is highly preferred.
• Proven experience with Python for data science applications, including libraries such as Pandas, Scikit-Learn, and TensorFlow.
• Familiarity with large language models (LLMs) and NLP techniques is a plus.

COMPETENCIES REQUIREMENTS:

Technical:

• Statistical Analysis & Modelling: Strong knowledge of statistical and machine learning techniques to create models that support risk assessment and lending decisions.
• Programming & Scripting: Proficiency in Python for data manipulation, model building, and automation.
• Cloud Computing: Experience with GCP and AWS for data storage, model deployment, and scalable computing.
• Financial Data Analysis: Understanding of credit lending and credit risk data, with the ability to work within the regulatory constraints of financial data.
• LLM & NLP (Nice to Have): Familiarity with large language models for analysing unstructured text data in financial contexts.

Tools:
Python , Jupyter Notebooks, TensorFlow, PyTorch, Scikit-Learn, Apache Spark, SQL, FastApi, Flask

Behavioural:

• Analytical Skills: Ability to translate business needs into data-driven solutions and interpret model results accurately.
• Collaboration: Strong team collaboration skills for working with analysts, engineers, and business stakeholders.
• Attention to Detail: Accuracy in data handling, model development, and documentation for financial data analysis.
• Communication: Ability to present complex analytical findings in a clear, concise manner for diverse audiences.

What to Expect in the Hiring Process:

• A preliminary phone call with the recruiter
• Technical interview 
• Assessment
• Interview with Senior members of the team
• Cultural and Behavioural Fit Interview with a member of the Executive team.

Benefits

At Credit Direct Finance Company Limited, we value our employees and strive to provide a comprehensive benefits package that recognizes their contributions and supports their well-being. As part of our commitment to a positive work environment, we offer the following benefits:

Competitive Salary: We offer a competitive salary structure that is commensurate with industry standards and recognizes the skills and experience of our employees.

Quarterly Performance Pay: We recognize and reward exceptional performance. Our quarterly performance pay program allows employees to earn additional compensation based on their individual and team achievements.

Transport Subsidy: We understand the importance of accessible transportation for our employees. To assist with commuting expenses, we provide a transport subsidy to help alleviate the financial burden associated with travel to and from work.

Staff Bus: We offer a convenient and reliable staff bus service for eligible employees, ensuring a comfortable and stress-free commute to the workplace.

Hybrid Work: We believe in providing flexibility and work-life balance. Our hybrid work policy allows eligible employees to work remotely for a certain number of days per week, promoting a healthy work-life integration.

13th Month Salary: As an additional financial benefit, we provide a 13th-month salary to our employees. This extra payment, usually received at the end of the year, serves as a bonus and acknowledges their dedication and commitment throughout the year.

Leave Allowance: We recognize the importance of taking time off for rest and relaxation. In addition to annual leave entitlement, we provide a leave allowance to eligible employees, offering financial support during their vacation time.

Profit Sharing: We believe in sharing our success with our employees. Through our profit-sharing program, eligible employees have the opportunity to receive a share of the company's profits, providing an additional incentive for their dedication and hard work.

These benefits are designed to support our employees' financial well-being, work-life balance, and professional growth. We continuously review and enhance our benefits package to ensure that it remains competitive and aligned with the needs and preferences of our valued employees.

About Company

Credit Direct Finance Company Limited

https://creditdirect.seamlesshiring.com

Credit Direct is the Fintech arm of the FCMB Group.