About The Team We are looking for a Direct Lending Risk Model Developer to join our team supporting the development and enhancement of risk models for our direct lending business. This role will be responsible for building and refining credit scoring models, loss forecasting models, and early warning systems using both traditional and alternative data sources. The ideal candidate combines technical expertise with business acumen and is motivated by the impact of data-driven lending in the digital banking space. Job Description Develop, implement, and maintain credit risk models for lending, including application scorecards, behavioral models, and PD/LGD/EAD estimations. Leverage structured and unstructured data sources (e.g. financials, transaction data, e-commerce data) for model feature engineering. Support model validation, back-testing, performance monitoring, and recalibration activities. Work closely with risk policy, data engineering, and credit operations teams to align modelli...