Contract Based Data Scientist (BS Statistics/Mathematics Grad or 4th yr Student)

SPECIFIC DUTIES AND RESPONSIBILITIES:

1. Analytics & Modeling • Develop, test, and maintain statistical and machine-learning models for: o Credit scoring and risk segmentation o Early warning signals (EWS) for delinquency and default o Collections prioritization and recovery strategies o Portfolio performance and yield optimization • Apply models pragmatically, balancing accuracy, explainability, and regulatory acceptability.

2. Business Insights & Decision Support • Translate complex data into clear, decision-ready insights for Management, Credit, Risk, Collections, and Business teams. • Build dashboards, reports, and analytical outputs that support: o Loan approvals and pricing o Portfolio monitoring (NPLs, roll rates, vintage analysis) o Branch, product, and channel performance • Answer business questions directly.

3. Data Collaboration • Work closely with the Data Engineer to:

o Define data requirements and feature sets o Ensure data quality, consistency, and usability o Operationalize models into production pipelines • Validate datasets extracted from core banking, LOS, collections systems, and external data sources.

4. Model Governance & Compliance • Ensure models are documented, explainable, and auditable, aligned with BSP expectations. • Support internal audit, risk reviews, and regulatory examinations involving analytics or models. • Participate in model reviews, recalibration, and performance monitoring.

5. Continuous Improvement • Identify opportunities to: o Improve credit decisioning speed and quality o Reduce NPLs and credit losses o Increase recovery rates and operational efficiency • Stay current with practical advances in data science relevant to banking and lending.