Lead Credit Modeller / Data Scientist at The Concept Group in Lagos

Join The Concept Group as a Lead Credit Modeller / Data Scientist in Lagos, where you will play a pivotal role in enhancing credit risk models and data-driven decision systems. This position is crucial for supporting effective underwriting, robust portfolio monitoring, and informed lending decisions through the use of analytics, machine learning, and automation. In this role, you will be responsible for developing and managing various credit scoring models, such as application, behavioral, and collections scorecards. You will also build Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) models in compliance with IFRS 9 and regulatory standards. Your expertise in machine learning and advanced analytics will be essential for improving lending decisions, detecting fraud, and optimizing portfolio performance. Ideal candidates will possess a Bachelor's or Master's degree in a relevant field and have 5-10+ years of experience in credit risk modeling or data science, preferably in banking, fintech, or microfinance. Strong knowledge of statistical modeling, machine learning, and credit risk frameworks is required, along with proficiency in Python, R, SQL, SAS, or similar tools. Familiarity with BI tools and model deployment platforms is a plus. This role demands a unique blend of technical modeling skills, business acumen, and leadership capabilities. If you are ready to make a significant impact, we encourage you to apply today.