Job Description

Job Title: Data Scientist – Credit Decisioning (Fintech / AI)

Job Description: As a Data Scientist specializing in credit decisioning at a fintech company deploying AI for smarter lending, you will be responsible for building and maintaining AI-powered credit scoring models, underwriting algorithms, and data-driven decisioning frameworks that support responsible, accurate consumer and SME lending decisions at scale.

Responsibilities:

• Build and maintain AI-powered credit scoring models, underwriting algorithms, and data-driven decisioning frameworks
• Develop machine learning models for credit risk assessment across consumer and SME lending portfolios
• Conduct data analysis to identify predictive signals, feature engineering opportunities, and model improvement areas
• Validate and back-test credit decisioning models — ensuring robustness, accuracy, and regulatory compliance
• Collaborate with Engineering, Risk, and Product teams on AI model integration into credit decisioning platforms
• Monitor model performance in production — tracking accuracy, fairness, and regulatory compliance continuously
• Produce model documentation, validation reports, and regulatory explainability materials for model governance
• Stay current on advances in AI/ML credit decisioning and apply cutting-edge techniques to model improvement

Qualifications Needed:

• Proven Data Scientist or quantitative analyst experience in credit decisioning, AI model development, or fintech analytics
• Strong proficiency in Python and ML frameworks (scikit-learn, XGBoost, LightGBM, or equivalent) for credit model development
• Experience building and deploying credit scoring or risk models in a production fintech environment
• Understanding of IFRS 9 ECL modelling and regulatory model validation requirements preferred
• Excellent analytical and technical documentation skills for model governance and regulatory explainability
• Deep interest in AI-powered credit decisioning and responsible lending technology

What the Company Offers:

• Data Scientist Credit Decisioning role at a fintech company deploying AI for smarter, more responsible lending in Dubai
• Full credit model development mandate across consumer and SME lending at a fast-scaling fintech platform

Are you interested in this position? Apply by clicking on the “Apply Now” button below!

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