Data Science

Skill diminta

PythonSQL

Deskripsi

Build and maintain Application and Behavioral scorecards for BFI products using internal and external data.
Develop propensity models for existing customers to drive automated cross-sell approvals and limit increases.
Define and optimize Scorecard Cut-offs and Risk Acceptance Criteria (RAC) to maximize approval rates at targeted loss levels.
Implement real-time delinquency monitoring frameworks to detect early-warning signs in the portfolio.
Education: Bachelor Degree major Science, Statistics, or Mathematics .
Min 5 years in Banking or Fintech (Credit Scoring focus) .
Good in Python/R, SQL, Machine Learning (XGBoost/LightGBM).
Exp: Experience in Customer Lifetime Value (CLV) modeling.
Proficiency in translating risk policies into mathematical logic.
Advanced data visualization and Vintage Analysis.

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