Credit Risk Model Developer - Collections - Early/Immediate Joiners

Credit Risk Model Developer - Collections - 3+ Years - Remote

We are hiring for an Analyst - Collections Specialist role with an opportunity to work at the intersection of data science, risk analytics and collections strategy. The role will focus on leveraging analytics, machine learning and risk analysis to optimize collections strategies and drive data-informed decision-making across the collections lifecycle.

Location - Remote

Your Future Employer - A fast-growing AI/ML-driven organisation specialising in risk analytics, data conversion and data enrichment, leveraging AI, ML and NLP alongside deep financial services and risk management expertise. The organisation works with leading names in the financial services industry and is entering a significant growth phase.

Responsibilities -

1. Conduct analysis of end-to-end collections activities, including outreach, negotiation of payment arrangements, settlement discussions, chargeback resolution and escalation.
2. Conduct risk analysis to assess portfolio exposure, borrower/subscriber risk profiles and the effectiveness of collections interventions across customer segments.
3. Apply machine learning techniques and engineer new features to build and refine predictive models for risk segmentation, prioritisation and treatment strategies.
4. Monitor, evaluate and continuously improve existing collections models by tracking performance metrics and recalibrating models as required.
5. Design and deliver ongoing reporting and dashboards that translate model outputs and collections performance into actionable insights.
6. Partner with payments, recoveries and analytics teams, as well as senior leadership, to conduct ad-hoc analyses and support data-informed decision-making.
7. Investigate disputed card transactions, First Party and Third-Party chargebacks, suspected fraud or ATO issues and coordinate with Fraud/Credit Abuse teams.

Requirements -

1. Bachelor’s degree in Computer Science, Statistics, Finance or a related field preferred.
2. 3-5+ years of experience in data science or analytics, ideally within collections, credit risk, telecom or financial services.
3. Strong proficiency in SQL and a programming language such as Python or R for data manipulation, statistical analysis and model development.
4. Hands-on experience with machine learning techniques such as logistic regression, decision trees, gradient boosting and clustering.
5. Solid grounding in statistics and risk analysis, including model validation, performance monitoring using measures such as KS, AUC and PSI, and score/model recalibration.
6. Experience working with large, complex datasets, including data cleaning, wrangling and pipeline development.
7. Proficiency in MS Excel, including pivot tables and complex formulas, to deliver clear and actionable reports for senior stakeholders and operations teams.

What is in it for you -

1. Opportunity to work at the intersection of AI/ML, data science, risk analytics and collections strategy.
2. Exposure to large and complex datasets and advanced predictive modelling techniques.
3. Opportunity to build and optimise collections strategies using machine learning and risk analytics.
4. Direct exposure to senior stakeholders and cross-functional teams across payments, recoveries and analytics.
5. Opportunity to contribute to a high-growth organisation working with leading financial services clients.
6. Opportunity to work in an entrepreneurial, technology-driven environment during a significant growth phase.

Reach Us - If you think this role is aligned with your career, kindly write me an email along with your updated CV on [email protected] for a confidential discussion on the role.

Disclaimer - Crescendo Global specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging memorable job search and leadership hiring experience. Crescendo Global does not discriminate based on race, religion, colour, origin, gender, sexual orientation, age, marital status, veteran status or disability status.

Note - We receive many applications daily, so it becomes difficult for us to get back to each candidate. Please assume that your profile has not been shortlisted in case you don't hear back from us in 1 week. Your patience is highly appreciated.

Scammers can misuse Crescendo Global’s name for fake job offers. We never ask for money, purchases, or system upgrades. Verify all opportunities at www.crescendo-global.com and report fraud immediately. Stay alert!

Keywords - Analyst, Collections Specialist, Collections Strategy, Data Science, Risk Analytics, Credit Risk, Machine Learning, SQL, Python, R, Predictive Modelling, Feature Engineering, Telecom, Financial Services, Chargebacks, Fraud, ATO, Skip Tracing, Power BI, Tableau, MS Excel, Crescendo Global.