Actuarial Data Scientist – Credit Risk & Default Prediction

About the role

Hala Financing is seeking an Actuarial Data Scientist to join its Data & Business Intelligence team in Riyadh. The role focuses on building and enhancing credit risk models, predicting probability of default, and supporting responsible growth in SME lending.

Key responsibilities

• Build, validate, and improve models for probability of default, credit scoring, affordability, delinquency prediction, and customer risk segmentation.
• Analyze historical repayment behavior, vintage curves, and default patterns to inform credit engine enhancements.
• Develop early‑warning indicators and dashboards to monitor portfolio performance across cohorts, products, and channels.
• Use statistical and machine learning techniques on structured and alternative data sources to improve credit decisioning.
• Design experiments and champion/challenger tests for credit policy changes.
• Collaborate with Data Engineering to improve data quality, feature availability, and model monitoring.
• Support management reporting for credit performance, investor reporting, and internal risk committees.

Required profile

• Strong actuarial thinking combined with credit risk modelling experience.
• Proven ability to apply machine learning and statistical techniques to financial data.
• Business judgment to translate analytical insights into actionable credit policies.

Required skills

• Statistical modeling
• Machine learning