Senior Data Scientist - Credit/Underwriting

Join Fido as a Senior Data Scientist - Credit/Underwriting to shape the next generation of credit scoring and fraud detection models. Lead feature ideation, research, and deployment, and collaborate with risk managers to turn observed patterns into smarter models.

Requirements

• 5+ years' experience in credit risk analytics in emerging markets
• 5+ years' experience in fraud modelling/transactional risk at fintech or e-commerce scale-ups
• Strong applied data science skills (Python, SQL, scikit-learn, ML pipelines)
• Experience in credit/fraud feature engineering, from alternative data to transactional behaviors
• Solid understanding of loan economics: delinquency curves, loss given default, provisioning, portfolio segmentation
• Proven ability to balance statistical performance with business constraints (risk appetite, growth targets, regulatory caps)
• Excellent communication and stakeholder management