Credit Risk Data Scientist

About the role

As a Credit Risk Data Scientist you will help shape Lula’s credit risk strategies and drive growth initiatives. Working within a high‑impact team you will support credit modeling, risk strategy and insights, turning complex data into actionable intelligence that guides funding decisions, ensures regulatory compliance and maximizes profitability.

Key responsibilities

• Support the development and enhancement of credit models such as scorecards, affordability, pricing, take‑up and profit models.
• Monitor and investigate book performance to drive growth while controlling credit risk.
• Review and define data‑driven credit risk policies, strategies, affordability designs, test frameworks, offer terms and profit optimisation.

Required profile

• Strong ability to access, transform and aggregate data for credit risk analysis.
• Experience designing, deploying and tracking data‑driven credit risk strategies.
• Understanding of credit risk management fundamentals and small‑business lending.
• Analytical thinking with problem‑solving skills and curiosity.
• Team player who can also work independently with high ambition.

Required skills

• Python
• SQL
• Azure
• Snowflake
• DBT
• Hex
• GitHub