Principal Data Scientist

Experience and Skills

• 8+ years of experience in risk management, underwriting, or credit analytics within fintech, lending, or specialty finance environments
• C1 English level or higher
• Proven track record building AI/ML-driven credit models, risk scorecards, and pricing frameworks
• Strong proficiency with Python, R, SQL, and Excel
• Deep expertise in risk-adjusted pricing, portfolio management, loss forecasting, and modeling techniques (regression, ML, ensemble methods, decision trees, neural networks)
• Experience managing and mentoring small, high-impact data or risk teams
• Solid understanding of cash-flow and alternative-data underwriting

Skills

• Python
• R
• SQL
• Machine Learning
• Credit Scoring
• Risk Management
• Predictive Modeling
• Underwriting
• Portfolio Management
• Loss Forecasting

Key Responsibilities

• Design, build, and maintain risk scorecards, credit underwriting models, and offer calculation engines using advanced AI/ML techniques
• Establish and lead the end-to-end risk management framework, including credit, operational, and portfolio risk strategies
• Develop and optimize risk-adjusted return strategies, loss forecasting, pricing optimization, and portfolio performance analysis
• Leverage alternative data sources, such as bank, cash flow, behavioral, and third-party data, to improve underwriting accuracy
• Partner with Product, Data, Engineering, and Finance teams to integrate ML models into fully automated decisioning workflows
• Build early-warning systems and real-time monitoring tools using machine learning to detect anomalies, fraud, and emerging risk patterns
• Lead, mentor, and review the work of a small team of data scientists while remaining directly involved in technical execution
• Deliver clear, data-driven reporting to internal stakeholders, board members, and capital partners while ensuring regulatory compliance

Nice to Have

• MLOps
• Model Deployment
• Alternative Data
• Automated Decisioning

Benefits

We provide the opportunity to participate in impactful and technically rigorous industrial data projects that drive innovation and professional growth. Our work environment emphasizes technical excellence, collaboration, and continuous innovation.

Niuro supports a 100% remote work model, allowing flexibility in work location globally. We invest in career development through ongoing training programs and leadership opportunities, ensuring continuous growth and success.

Upon successful completion of the initial contract, there is potential for long-term collaboration and stable, full-time employment, reflecting our long-term commitment to our team members.

Joining Niuro means becoming part of a global community dedicated to technological excellence and benefiting from a strong administrative support infrastructure that enables you to focus on impactful work without distraction.