Lead Data Scientist - Credit Modelling and Data ProductsMy client is building a next-generation data and analytics capability using large-scale financial datasets spanning millions of records. Their goal is to transform complex data into predictive insights, industry intelligence, and innovative data products that create real business value.As Lead Data Scientist, you will be responsible for designing, building, and governing predictive models that support data-driven products and strategic decision-making. You will work closely with engineering and product teams to transform raw data into robust, auditable, and commercially valuable solutions.Skills and ExperienceTechnical ExpertiseStrong proficiency in Python (Pandas, NumPy, Scikit-learn) and SQL.Hands-on experience with Snowflake or similar cloud-based data warehouse platforms.Experience using Git and reproducible development practices.Strong understanding of data pipelines, data quality, and analytics engineering principles.Credit Modelling and Predictive AnalyticsProven experience conducting rigorous exploratory data analysis and feature engineering.Experience building predictive models in regulated financial services environments, ideally within:Retail bankingCommercial bankingAsset securitisationCredit managementExpertise developing and deploying credit risk models, including:Probability of Default (PD) modelsScorecardsRisk segmentation modelsExperience evaluating and implementing challenger models such as XGBoost ..... full job details .....