As a Senior Credit Risk Modeling – Data Science, you will be an individual contributor responsible for developing, validating, and maintaining predictive credit risk models for our unsecured personal lending products. You will work closely with data science, risk, and business teams to optimize risk strategies and enhance the overall credit decisioning framework. Lead the development of credit risk predictive models (e.g., Conduct in-depth data analysis and feature engineering using internal and external data sources to improve model performance.

Validate, back-test, and monitor existing credit risk models to ensure predictive accuracy and regulatory compliance. Develop and maintain documentation for model development, validation, and governance purposes in line with regulatory expectations. Provide insights on portfolio risk trends, early warning indicators, and potential loss drivers.

Mentor junior analysts and contribute to building a strong modeling and analytical culture within the team. Bachelor’s or Master’s degree in Statistics, Mathematics, Economics, Data Science,



or a related quantitative field. ~5–7 years of experience in credit risk modeling within a lending environment. ~ Solid expertise in statistical modeling, machine learning, and predictive analytics (e.g., logistic regression, decision trees, gradient boosting, neural networks). ~ Proficiency in programming languages such as Python, R, or SAS; SQL experience essential. ~ Solid understanding of credit risk concepts, portfolio management, and lending business processes. ~ Experience with cloud-based data platforms or modern analytics tools. Familiarity with alternative data usage in credit risk models.

Experience with model validation frameworks and regulatory compliance requirements in Canada (OSFI) or equivalent international standards. Competitive base salary + performance bonus + equity package. Flexible work model (hybrid/remote options). Learning budget, health benefits, and team culture focused on data and innovation. #

📌 Senior Data Scientist - E-Commerce (Toronto)
🏢 Qfin
📍 Toronto