• Lead custom analytics and modeling engagements from scoping through delivery and ongoing support. • Develop credit strategies and ML models (underwriting, line assignment, pricing, early warning, collections). • Engineer features from alternative, transactional, and bureau data (e.g., recency, frequency, volatility, trend, and behavioral metrics). • Evaluate and integrate third‑party/alternative data sources (sub‑prime bureaus, cash-flow, telco, utility, and specialty data). • Partner with clients to build end‑to‑end credit strategies that balance approvals, losses, efficiency, and customer experience. • Deliver clear, executive‑ready insights, documentation, and strategy recommendations. • Present results directly to risk leaders, analytics teams, and senior client partners. • Support model implementation, monitoring, stability analysis, and ongoing optimization. • Work cross‑functionally with Product, Engineering, and Sales to align custom solutions with broader AFS capabilities.