Vice President – Data Science (ai/ml, Credit, Collections & Marketing) (India)

Role Overview We are seeking a Vice President of Data Science with deep hands-on expertise in AI ML modeling for U S consumer credit-card and subprime lending portfolios The ideal candidate combines technical mastery business intuition and execution capability with the ability to both build models personally and lead a small high-performing data science team 3-5 members This leader will design develop and deploy advanced ML solutions that power credit underwriting collections optimization and marketing targeting leveraging both internal portfolio data and third-party data sources paid and free The focus is on delivering measurable business impact better credit decisions higher recovery rates and improved customer lifetime value Key ResponsibilitiesAI ML Model Development Delivery Lead the end-to-end development of predictive and prescriptive ML models for credit underwriting collections and marketing Build forecast-based and behavioral scoring models to predict payment capacity delinquency likelihood and offer responsiveness Utilize supervised and unsupervised ML techniques regression ensemble methods clustering survival analysis NLP etc to enhance decision quality Prototype test and productionize models using Python SQL and cloud ML frameworks AWS SageMaker Azure ML or GCP Vertex Data Management Feature Engineering Design robust feature stores integrating internal portfolio data applications payments transactions with external third-party data Evaluate source and integrate third-party and alternative datasets credit bureau bank transaction device telecom social and open data sources Maintain awareness of free and paid data providers assessing their predictive lift and ROI for subprime segments Cross-Functional Collaboration Partner with Credit Collections and Marketing teams to translate model outcomes into decision rules that can be operationalized Work with Engineering and Product teams to deploy models into production monitor performance and retrain as needed Support CFO CRO and business heads with portfolio risk forecasting stress testing and loss analytics Governance Compliance Ensure compliance with U S consumer-lending regulations FCRA ECOA FDCPA UDAAP and model governance frameworks SR 11-7 Document methodologies validation results and model assumptions to support regulatory and investor transparency Partner with internal model-validation and compliance teams for ongoing reviews Leadership Mentorship Lead mentor and grow a 3-5 member data science team setting clear technical and business objectives Create a culture of analytical rigor experimentation and continuous learning Provide thought leadership in ML methodology data-driven decisioning and cross-functional impact measurement Qualifications 12-18 years of experience in applied data science or machine learning with significant exposure to U S consumer credit-card or subprime lending portfolios Proven expertise building credit-risk collections or marketing response models in production environments Strong understanding of consumer credit data loss forecasting and collection-behavior dynamics Proficiency in Python SQL and ML libraries scikit-learn XGBoost LightGBM PyTorch TensorFlow optional Deep knowledge of third-party data ecosystems Experian Equifax TransUnion LexisNexis Neustar Plaid Socure etc and alternative data APIs Experience deploying models through cloud-based MLOps pipelines and working in agile delivery setups Master s or Ph D in Statistics Computer Science Machine Learning Economics or related quantitative discipline Preferred Attributes Strong understanding of subprime customer behavior and credit-cycle dynamics Track record of delivering quantifiable financial impact e g 20 improvement in collections yield 15 charge-off reduction 2-3x lift in marketing ROI Excellent communication and presentation skills able to explain model logic to executives and non-technical stakeholders Ability to thrive in a fast-paced workplace with a small expert team and high ownership Job Type Contractual Temporary Contract length 6 months Pay 400 00 - 600 00 per hour Expected hours 28 per week Experience Data Science AI ML Credit Collections Marketing 10 years Required Work Location Remote