Data Scientist – Retail Banking Analytics

About the Role

Key Responsibilities

• Build, validate, optimize, and monitor machine learning models for retail banking use cases.
• Develop marketing analytics solutions including segmentation, propensity modeling, churn prediction, campaign targeting, cross-sell, upsell, next-best-action, and customer lifetime value.
• Develop credit analytics solutions including application scoring, behavioral scoring, risk segmentation, early warning indicators, collections prioritization, and portfolio risk analysis.
• Perform data exploration, feature engineering, model selection, hyperparameter tuning, and model validation.
• Work with customer, transaction, product, campaign, bureau, and credit performance data.
• Translate banking business requirements into practical Data Science and Machine Learning solutions.
• Collaborate with business, risk, marketing, technology, and data engineering teams.
• Present model findings and recommendations to client stakeholders.
• Support model governance, documentation, validation, and ongoing performance monitoring.

Required Skills and Experience

• At least 5 years of hands-on Data Science experience.
• Mandatory experience in Retail Banking Analytics.
• Strong experience in Marketing Analytics, Credit Analytics, or both.
• Proven hands-on experience building and optimizing Machine Learning models.
• Strong programming skills in Python and SQL.
• Experience working with large and complex banking datasets.
• Strong understanding of statistical modeling, feature engineering, and model evaluation.
• Strong analytical, problem-solving, client-facing, and stakeholder-management capabilities.
• Willingness to work from the client location in the UAE.

Preferred Skills

• Experience with Databricks, Dataiku, Azure, or similar platforms.
• Exposure to MLOps, model deployment, and model monitoring.
• Experience in campaign optimization, customer value management, collections analytics, or portfolio risk management.
• A bachelor's or master's degree in data science, statistics, mathematics, computer science, engineering, economics, or a related quantitative discipline.

Workplace and Availability

• The role requires working from the client location in the UAE.
• Candidates based in India should be willing to relocate to the UAE and work from the client location.
• Only candidates who can join immediately or within 30 days should apply.