Senior Data Scientist, Credit Application Fraud Detection

As a Senior Data Scientist, Credit Application Fraud Detection, you play a key role in developing, updating and optimizing the analytical capabilities that support decisions related to granting processes for credit, loans and financing products. You contribute both strategically and tactically by designing advanced models and high-impact detection mechanisms that help the organization manage fraud risk more effectively. You act as a senior expert and provide functional leadership to multiple stakeholders on complex projects that require a thorough understanding of business and operational issues. You analyze and interpret sophisticated, atypical and constantly evolving fraud patterns and quickly recommend practical measures to keep detection controls effective and relevant. Your work requires in-depth knowledge of credit application fraud, strong adaptability and the ability to operate in complex environments with multiple regulatory, operational and analytical constraints, all while maintaining a high level of performance and rigour. More specifically, you will be required to:

• Develop, enhance and deploy to production advanced application fraud detection and prevention models for credit and financing products. 

• Actively contribute to tactical detection activities, including creating, calibrating and optimizing fraud detection rules. 

• Analyze and understand complex, emerging and evolving fraud patterns and quickly recommend adjustments or corrective measures suited to the business context. 

• Research, design and optimize advanced predictive features related to fraudulent behaviour. 

• Recommend and implement strategic and tactical improvements to optimize the effectiveness, robustness and sustainability of detection mechanisms. 

• Provide expert advisory support on initiatives to improve fraud risk management tools, controls and practices. 

• Serve as a point of reference and influential partner for business sectors and credit risk management, fraud and analytics teams. 

• Proactively monitor fraud trends, emerging analytical approaches and market best practices. 

What we offer*

• Competitive salary and annual bonus

• 4 weeks of flexible vacation starting in the first year

• Defined benefit pension plan that provides predictable, stable income throughout retirement

• Group insurance including telemedicine

• Reimbursement of health and wellness expenses and telework equipment

* Benefits apply based on eligibility criteria.

#LI-Hybrid

What you bring to the table

• Bachelor's degree in machine learning, computer science, statistics, mathematics or a related field

• At least six years of relevant experience in quantitative analysis, modelling or data science

• Please note that other combinations of qualifications and relevant experience may be considered

• Extensive experience developing and deploying advanced predictive models

• Experience managing and resolving complex issues with multiple constraints

• Experience working with cloud platforms such as CP4D or Microsoft Azure

• Knowledge of French is required

• Strong ability to simplify complex concepts and communicate clearly with different audiences, both verbally and in writing

• Strong proficiency in developing with Apache Spark (PySpark or Scala) and knowledge of Databricks

• Strong proficiency in deep learning techniques and development frameworks (Keras, TensorFlow, PyTorch, etc.)

• Knowledge of SQL and R, as well as reporting and data visualization techniques

• Expertise in Python programming (scikit-learn, PySpark, pandas, NumPy, SciPy, LangChain, etc.) and in analytics product development practices (Git, MLflow, MLOps concepts)

Trade Union (If applicable)

At Desjardins, we believe in equity, diversity and inclusion. We're committed to welcoming, respecting and valuing people for who they are as individuals, learning from their differences, embracing their uniqueness, and providing a positive workplace for all. At Desjardins, we have zero tolerance for discrimination of any kind. We believe our teams should reflect the diversity of the members, clients and communities we serve.

If there's something we can do to help make the recruitment process or the job you're applying for more accessible, let us know. We can provide accommodations at any stage in the recruitment process. Just ask!

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