Senior Data Scientist - Credit Risk & Consumer Insights

Experian is seeking a Senior Data Scientist with credit analytics experience to develop automated reports, dashboards, and insights across the full credit lifecycle. This role supports underwriting, risk management, portfolio monitoring, and credit performance, requiring direct partnership with clients to align analytics with their needs. The successful candidate will build credit risk dashboards using Python and Tableau, analyze credit behavior, and translate complex insights into actionable strategies.

Must Have

• Develop automated reports, dashboards, and insights for credit lifecycle.
• Support underwriting, risk management, and credit performance.
• Partner with clients to align analytics with their needs.
• Build credit risk analytics using Python and Tableau.
• Analyze credit lifecycle to identify important insights.
• Automate reporting pipelines and monitoring frameworks.
• Translate analytics into strategies for risk, business, and client teams.
• Perform deep-dive analyses on credit behavior and scoring models.
• Present insights to clients and guide decision-making.
• Ensure data quality, accuracy, and compliance.
• 5+ years in credit risk analytics, data science, or BI.
• Proficient in Python (Pandas, NumPy, SQLAlchemy, Matplotlib) and Tableau.
• Experience with credit risk metrics, loan performance, and lifecycle modeling.
• Experience with large datasets and data warehouse environments.
• Proficient in SQL for ETL and automated reporting.
• Strong communication and client-facing experience.
• Background in financial services, FinTech, or lending.
• Experience with ML models for credit risk and regulatory reporting.

Good to Have

• Knowledge of Power BI or Looker

Perks & Benefits

• Flexible Time Off: 20 Days
• DEI initiatives
• Work/life balance
• Professional development
• Authenticity
• Collaboration
• Wellness programs
• Reward & recognition
• Volunteering opportunities

Company Description

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, create marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agribusiness, insurance, and many more industry segments.

We invest in people and new advanced technologies to unlock the power of data. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 22,500 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

Job Description

We're looking for a Senior Data Scientist with credit analytics experience to develop automated reports, dashboards, and insights across the full credit lifecycle. You'll support underwriting, risk management, portfolio monitoring, and credit performance, while partnering directly with clients to ensure analytics align with their needs. You will report to the VP of Analytics Product Build, Innovation, and Scores.

You'll have opportunity to:

• Build credit risk dashboards, reports, and analytics using Python and Tableau.
• Analyze the credit lifecycle (underwriting, performance, delinquency, and collections) to identify important insights.
• Develop and automate reporting pipelines and monitoring frameworks.
• Translate analytics into strategies for risk, business, and client teams.
• Perform deep‑dive analyses on credit behavior, defaults, and scoring models.
• Present insights to clients in clear, applicable formats.
• Guide clients in using dashboards and analytics for decision‑making.
• Ensure data quality, accuracy, and compliance with reporting standards.
• Improve existing reporting and build new analytics for better forecasting and risk assessment.
• Mentor junior team members on visualization, reporting, and credit analytics.
• Be a trusted advisor in client meetings, presentations, and workshops.

Qualifications

• 5+ years in credit risk analytics, data science, or BI with credit lifecycle focus.
• Python skills (Pandas, NumPy, SQLAlchemy, and Matplotlib).
• Proficient in Tableau dashboarding and data visualization.
• Experience with credit risk metrics, loan performance, and lifecycle modeling.
• Experience with large datasets and data warehouse environments.
• SQL for ETL and automated reporting.
• Clear communicator, able to simplify complex insights.
• Client‑facing experience translating analytics into strategies.
• Background in financial services, FinTech, or lending.
• Experience with ML models for credit risk.
• Familiarity with regulatory reporting in credit/lending.
• Bonus: Knowledge of Power BI or Looker.

Additional Information

Our uniqueness is that we celebrate yours. Experian's culture and people are important differentiators. We take our people agenda very seriously and focus on what matters; DEI, work/life balance, development, authenticity, collaboration, wellness, reward & recognition, volunteering... the list goes on. Experian's people first approach is award-winning; World's Best Workplaces™ 2024 (Fortune Top 25), Great Place To Work™ in 24 countries, and Glassdoor Best Places to Work 2024 to name a few. Check out Experian Life on social or our Careers Site to understand why.

Experian is proud to be an Equal Opportunity and Affirmative Action employer. Innovation is an important part of Experian's DNA and practices, and our diverse workforce drives our success. Everyone can succeed at Experian and bring their whole self to work, irrespective of their gender, ethnicity, religion, colour, sexuality, physical ability or age. If you have a disability or special need that requires accommodation, please let us know at the earliest opportunity.