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Data Scientist, Credit Risk

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KOHO

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Location:
Canada

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Category:
IT - Software Development

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Contract Type:
Not provided

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Salary:

140000.00 - 190000.00 CAD / Year
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Job Description:

We're building a world-class financial product and we need someone to help take our data operations to the next level. Our team is growing fast, and we’re looking for a Predictive Modeller to join us. You understand the data-driven decision making needs of a high-growth organization and are focused on concrete outcomes and KPIs. You look for the highest leverage solution to the most important problems, through either pragmatic analysis, a predictive model, or unsupervised learning methods.

Job Responsibility:

  • Design and develop statistical and machine learning models for credit risk parameters (PD, EAD, LGD) across lending products including credit card, line of credit, overdraft, BNPL, etc.
  • Execute full model development lifecycle from data exploration and feature engineering through validation and deployment
  • Implement advanced modelling techniques including regression, classification, ensemble methods, and deep learning algorithms
  • Conduct model performance monitoring, champion-challenger testing, and regulatory compliance validation
  • Collaborate with Risk Management, Credit, and Product teams to translate business requirements into technical specifications
  • Create automated dashboards, reports, and ad-hoc analyses to support strategic business decision-making
  • Document model methodology, results, and insights
  • Lead model refresh initiatives and back-testing procedures to maintain predictive accuracy and performance

Requirements:

  • 5+ years of experience in predictive modelling with demonstrated collaboration across data science, engineering, and product teams
  • Proven experience developing credit risk models (PD, EAD, LGD) for consumer lending products including credit card, line of credit, overdraft, BNPL, etc.
  • Expert proficiency in Python and SQL with hands-on experience in feature engineering, model development, validation, and performance analysis
  • Strong knowledge of statistical modelling techniques, machine learning algorithms, and model deployment in production environments
  • Experience with MLOps platforms (Sagemaker)
  • Track record of measuring and optimizing business outcomes of machine learning models in live production systems
  • Excellent written and verbal communication skills with ability to present complex technical concepts to non-technical stakeholders
  • Experience with regulatory frameworks and model risk management practices in financial services
  • Bachelor's or Master's degree in Statistics, Mathematics, Economics, Computer Science, or related quantitative field
  • Passion for applying data science to improve financial products and enhance customer financial outcomes
What we offer:
  • Competitive compensation & equity
  • Fantastic, Deeply Engaged Team
  • Generous vacation + Wellness days + Flex Days + holiday closure
  • Remote-first environment + coworking support + yearly all hands retreat
  • Access to coaching & growth programs
  • Parental top-up & leave policies
  • Comprehensive health benefits
  • Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development

Additional Information:

Job Posted:
February 18, 2026

Employment Type:
Fulltime
Work Type:
Remote work
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