Your role

We are seeking a highly skilled and innovative Data Scientist II to strengthen our credit risk modeling team. You will play a pivotal role in developing, monitoring, and advancing our suite of credit and collections risk models, with a particular focus on harnessing the power of SMS and other alternative datasets. If you are passionate about machine learning, deep learning, and applying large language models (LLMs) to real-world financial challenges, we want to connect with you!

What would you do at Khatabook

• Design, develop, and deploy end-to-end data science solutions that address complex business problems across lending, insurance, investments, and payments.

• Collaborate with cross-functional teams including product, engineering, and business to identify opportunities for data-driven impact.

• Continuously explore and implement state-of-the-art techniques in machine learning, deep learning, NLP and Generative AI.

• Drive experimentation and rapid prototyping to validate hypotheses and scale successful models to production.

• Monitor, evaluate, and refine model performance over time, ensuring reliability and alignment with business goals.

What are we looking for

• Bachelor's or Master's in Engineering or equivalent.

• 2+ years of Data Science/Machine Learning experience.

• Strong knowledge in statistics, tree-based techniques (e.g., Random Forests, XGBoost), machine learning (e.g., MLP, SVM), inference, hypothesis testing, simulations, and optimizations.

• Bonus: Experience with deep learning techniques.

• Strong Python programming skills and experience in building Data Pipelines in Python,Airflow along with feature engineering.

• Proficiency in pandas, scikit-learn, SQL, and familiarity with TensorFlow/PyTorch.

• Understanding of DevOps/MLOps, including creating Docker containers and deploying to production.