About the Role: We are seeking a forward-thinking Credit Analyst to join our digital bank product team. The ideal candidate will play a key role in developing and refining our credit underwriting framework using a data-driven insights and developing credit models. You will play a critical role in supporting the Credit Lead in shaping our credit policies, risk models, and analytical capabilities. Key Responsibilities: Develop and test the credit scorecard models for financing products using Machine Learning and statistical methods. Continuously monitor and maintain the credit model in accordance to internal and regulatory governance, and adjust the model when needed. Facilitate in model deployment preparation in the Credit Decision Engine (CDE) and ensure their scalability, robustness, and explainability across different financing products Simulate datasets and conduct model validation to ensure smooth real-time integration and performance within the Credit Decision Engine (CDE) Collaborate and explore with product and data team to fine-tune existing and potential alternative data sets that can be used for immediate and future credit scorecards Recommend adjustments to models and credit policy Provide insights on rejected/approved applications based on the model. Working closely with the Product Owner of financing products to ensure the credit strategy achieves business goals of the respective product. Working closely with Risk in returning values related to MFRS9 Reporting. Job Requirement : Education Bachelor in Mathematics, Data Science, Statistics, Computer Science or any other relevant fields Skills :- Strong proficiency in Excel, SQL, and data visualization tools (e.g., Tableau, Power BI). Python/R is an advantage. Experience in building and training models using simulated or real-world datasets Understanding of the end-to-end machine learning model development lifecycle is an advantage Solid statistical knowledge (e.g., regression, distributions, hypothesis testing); Experience in credit scorecard model development is an advantage. Excellent communication skills and ability to present findings clearly to non-technical stakeholders. Exposure to credit decision-making systems, MFRS 9, or financial reporting frameworks is an advantage Comfortable working in ambiguous, fast-paced, and data-light environments. Strong analytical and problem-solving skills with high attention to detail. Show more Show less