Team Lead, Customer Profiling and Personalization at Credit Direct Limited

Design, build, and deploy predictive models that improve customer segmentation, risk assessment, and credit decisions. Develop risk modelling and stress testing frameworks. Drive data-driven strategies that enable personalized offerings, boost portfolio performance, and support smarter, faster, and more responsible lending practices.

Data Modelling & Customer Profiling:

• Build and maintain predictive models for customer segmentation and risk assessment. 
• Develop clustering techniques to better understand customer behaviour patterns.

Credit Risk Analytics:

• Create scoring models for default risk, fraud detection, and creditworthiness evaluation.
• Develop risk modelling and stress testing frameworks.

Model Deployment & Monitoring:

• Work with tech teams to deploy models into production systems.
• Monitor model performance and adjust when needed.

Stakeholder Engagement & Communication:

• Build relationships with internal stakeholders, customers, and external partners.

Compliance & Data Governance:

• Ensure models meet internal policies and regulatory requirements.
• Maintain data accuracy, ethics, and security standard.

Requirements

• B.Sc./M.Sc. in Data Science, Statistics, Computer Science, or related field.
• Professional certifications in data analytics or machine learning (preferred).
• Minimum 4 years in data science or risk analytics roles.
• Experience in financial services, particularly lending, is strongly preferred.

Technical:

• Predictive modelling & machine learning.
• Credit risk analysis & scoring.
• SQL, Python.
• Risk modelling and stress testing.
• Experience with cloud platforms (AWS, Azure).

Behavioral:

• Analytical and curious mindset.
• Effective communication and storytelling skills.
• Strong stakeholder management.
• Team collaboration.
• Accountability and ownership.
• Continuous learning & improvement mindset.