Data Scientist developing models, dashboards, and analytics to detect transactional fraud at Desjardins, North America’s largest cooperative financial group. Deploying and monitoring mitigation tools.
FC
Data Scientist, Credit Risk Modelling
Posted 3 months ago
About the role
- Data Scientist focusing on building and improving tools for credit risk management at FCC. Analyzing complex data to design and validate analytical models for risk assessment.
Responsibilities
- Design, develop, validate, and maintain credit risk models, including Internal Rating and Operational Credit Risk Models, Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD), and analyze how these components interact
- Unlock insights from complex internal and external data to support data‑driven decision‑making
- Apply advanced analytics techniques (e.g., statistical modeling, machine learning, forecasting) to identify risks and opportunities
- Translate complex analytical outputs into clear, practical insights for non‑technical stakeholders
- Collaborate with business leaders, technology teams, and external partners to implement analytics solutions in production
- Apply strong analytical judgment and rigor to reduce ambiguity and support strategic and operational decisions
Requirements
- Bachelor’s degree in finance, economics, mathematics, statistics, actuarial science, computer science, agriculture, or a related field
- 4+ years of experience in data science, analytics, or risk modeling, including experience in developing credit risk models
- Strong understanding of Internal Rating, PD, LGD, and EAD, and their role in credit risk measurement frameworks, including IFRS 9 and Economic Capital
- Proven experience building, validating, and interpreting statistical or predictive models
- Strong foundation in statistics, mathematics, and analytical problem‑solving
- Proficiency with tools such as SQL, SAS, R, Python, Power BI, or similar technologies
- Ability to communicate complex analytical concepts clearly and influence decision‑making
- Strong collaboration and communication skills in cross‑functional environments
- Strong written communication skills, with experience producing clear, high-quality model development and validation documentation
Benefits
- Competitive total rewards packages: market-aligned and performance-based salary and incentive programs
- Flexible and comprehensive group benefit and savings plans
- Well-being support through benefits and wellness programs
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