Manager-Fintech

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About the Organization

MicroSave Consulting (MSC) is a boutique consulting firm that has, for 25 years, pushed the world towards meaningful financial, social, and economic inclusion. With over 350 staff of different nationalities and varied expertise, we are proud to be working in over 68 developing countries. We partner with participants in financial services, enterprise, agriculture and health ecosystems to achieve sustainable performance improvements and unlock enduring value. Our clients include governments, donors, private sector corporations, and local businesses. We can help you seize the digital opportunity, address the mass market, and future-proof your operations.

Job Description

We are seeking a Manager - Credit Risk Model Development to lead the design, development, and deployment of credit scoring models for digital lending projects. The candidate will be responsible for building robust, regulatory-compliant scoring frameworks using bureau, bank statement, GST, and transaction data.

The role involves working closely with domain experts, product managers, solution architects, and compliance specialists to design and deploy models that improve credit underwriting and portfolio quality.

Job Responsibilities

• Develop application, behavioural, and collection scorecards using statistical and ML techniques.
• Perform feature engineering using structured and alternative data sources.
• Conduct model validation, back-testing, stress testing, and bias/fairness checks.
• Implement champion-challenger models and ongoing monitoring frameworks.
• Collaborate with architects to deploy models in production. (real-time and batch)
• Ensure compliance with RBI digital lending guidelines, model governance standards, and internal risk frameworks

Education Qualification/Required Skills & Experience

Experience

• 6+ Years

Mandatory Skills

• Credit risk modeling (application & behavioral scorecards, PD/EAD/LGD models)Machine learning techniques (Logistic Regression, Decision Trees, XGBoost, LightGBM, SHAP)Data handling and programming (Python, R, SQL, SAS)Feature engineering with bureau, bank, GST, and payments dataModel validation, performance monitoring, and regulatory alignment

For more information please check the Link

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