About the Role
The Concept Group is seeking a Junior Quant/Scorecard Analyst to support the development, monitoring, and maintenance of credit scoring models and quantitative risk tools. This role focuses on data preparation, modelling assistance, portfolio analytics, and documentation to enhance credit decision-making and improve portfolio performance across retail, SME, MFB lending, and fintech lending products.
Key Responsibilities- Extract, clean, and organize datasets for credit modelling; conduct data quality checks and produce summary statistics
- Assist in building credit scoring models using logistic regression, decision trees, and basic ML techniques; perform exploratory data analysis and feature engineering
- Monitor model KPIs (Gini, KS, AUC, PSI) and track model drift, approval rates, and override patterns through monthly and quarterly reports
- Analyze delinquency trends, roll rates, NPL ratios, and support cohort/vintage analysis for product refinement
- Support IFRS 9 compliance, ECL calculations, and regulatory submissions related to credit models
- Prepare model documentation, dashboards, and maintain governance standards
- Collaborate with underwriters, credit analysts, and product teams to deliver quantitative insights
- Bachelor's Degree in Statistics, Mathematics, Data Science, Computer Science, Economics, or Engineering
- 1–3+ years of experience in credit analytics, data analysis, or quantitative modelling
- Proficiency in Python, R, or SAS (basic to intermediate level)
- Ability to write SQL queries and work with structured datasets
- Understanding of credit scoring, logistic regression, and model validation
- Banking, microfinance, or digital lending experience is advantageous
- Strong analytical skills, attention to detail, and excellent communication abilities