Data Scientist, Credit Risk

The Data Scientist, Credit Risk at KOHO is responsible for designing and developing statistical and machine learning models for credit risk parameters (PD, EAD, LGD) across various lending products. This role oversees the full model development lifecycle, including data exploration, feature engineering, validation, and deployment, while implementing advanced modelling techniques. Collaboration with Risk Management, Credit, and Product teams is essential to translate business requirements into technical specifications and create dashboards and reports that support strategic decision-making. A strong background in Python, SQL, and financial regulatory frameworks is required, along with experience in optimizing business outcomes through predictive modelling.