AI Scientist Credit Risk (Bhubaneswar)

StratLytics is hiring an AI Scientist Credit Risk & Agentic AI for our Bhubaneswar office to work on a high-impact AI underwriting initiative for a North American fintech client. This role is ideal for someone who combines credit-risk analytics, applied machine learning, LLM reasoning, evaluation design, and business judgment. This is not a generic prompt-engineering role. The selected candidate will help design, test, evaluate, and improve AI agents that analyze credit and underwriting data in a controlled, evidence-cited, human-in-the-loop environment. Key responsibilities include: - Design AI reasoning frameworks for credit-risk and underwriting use cases. - Translate underwriting judgment into structured, testable, and auditable AI workflows. - Work on bureau/tradeline analysis, borrower-risk signals, shadow debt patterns, data-integrity flags, and score reconciliation. - Design prompts, reasoning flows, evaluation criteria, and structured outputs for LLM-based underwriting agents. - Define evaluation frameworks for underwriter alignment, incremental signal, hallucination risk, data-integrity detection, and decision quality. - Compare AI outputs against historical underwriter decisions, credit scores, model outputs, and repayment/loss outcomes. - Partner with AI engineers, data engineers, credit-risk experts, and platform teams to build governed AI underwriting solutions. - Participate in internal and client-facing discussions with senior stakeholders. Requirements Required: - 5+ years of experience in data science, credit-risk analytics, underwriting analytics, risk modeling, or applied machine learning. - Strong understanding of credit-risk concepts such as bureau data, credit scores, scorecards, delinquency, utilization, inquiries, tradelines, repayment behavior, loss/default outcomes, and underwriting policy. - Robust Python and SQL skills. - Experience with statistical modeling, machine learning, model validation, or analytical backtesting. - Familiari .