Data Scientist, Credit Risk

KOHO(2 months ago)

RemoteFull TimeSenior$102,200 - $138,700Technology

About this role

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.

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Required Skills

Predictive Modelling
Statistical Modelling
Machine Learning
Model Development
Data Exploration
Feature Engineering
Model Validation
Performance Monitoring
Regulatory Compliance
Collaboration

+11 more

Qualifications

Bachelor's or Master's degree in Statistics
Bachelor's or Master's degree in Mathematics
Bachelor's or Master's degree in Economics
Bachelor's or Master's degree in Computer Science
5+ years of experience in predictive modelling
Experience developing credit risk models (PD, EAD, LGD) for consumer lending products
Experience with MLOps platforms (Sagemaker)

About KOHO

www.koho.ca

KOHO is a Canadian digital banking platform that provides users with an everyday spending account linked to a prepaid Mastercard. Designed for modern financial needs, KOHO offers instant cash back and premium rewards to more than 1.5 million users, empowering them to spend, save, and manage their finances more effectively. The platform aims to simplify banking with a user-friendly app that allows for quick sign-ups and financial management. Through innovative features, KOHO strives to enhance the overall banking experience and promote financial wellness.