Senior AI Modeler - Consumer Lending

Job description

Experian is seeking a highly skilled and intellectually curious statistical modeler to join our Agentic AI build group. This individual contributor role will focus on developing agentic AI solutions and advanced marketing and credit risk models in the consumer lending space that drive strategic decision-making across the consumer credit lifecycle. The ideal candidate will have deep technical expertise in coding intelligent agents, strong modeling and cloud computing acumen, and a passion for applying AI to real-world marketing andchallenges in financial services.

This role reports directly to the Director of ML/AI and will collaborate closely with cross-functional teams in Marketing, Product, and Credit Risk.

Key Responsibilities in this role:

• Design, code, and test AI agents that support autonomous decision-making in marketing campaigns, customer acquisition, credit risk and portfolio optimization.
• Implement cloud-based multi-agent and model services from the ground up, integrating upstream analytical outputs while maintaining production-grade software engineering standards for testing, observability, version control, and operational support.
• Apply agentic AI and swarm intelligence/multi-agent orchestration techniques to solve complex business problems in consumer lending.
• Develop predictive models using credit bureau data and other consumer datasets.
• Design, implement, and coordinate multi‑agent workflows for marketing decisioning, including role specialization and conflict resolution strategies to ensure coherent end-to-end outcomes.
• Prototype and iterate on intelligent agent behaviors using Python, Spark, and modern ML & AI frameworks.
• Support the deployment and monitoring of AI models in production environments, ensuring performance, reliability, and compliance.

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.

Qualifications

• Bachelor's degree in Statistics, Mathematics, Computer Science, Data Science, Engineering or a related quantitative field; Master's or PhD preferred.
• Experience implementing multi-agent workflows, including agent role specialization, task decomposition, state management, and strategies for conflict resolution and consistency of outcomes
• Strong applied expertise in statistical and predictive modeling methods (e.g., logistic regression, XGBoost, segmentation, and propensity modeling), including model build, validation and performance monitoring
• Experience applying analytics within consumer lending or financial services across the credit lifecycle (prospecting, acquisition, underwriting/credit risk, portfolio management, and collections), including familiarity with credit bureau data and related consumer datasets
• 3+ years of experience in statistical modeling, machine learning, agent building or advanced analytics, including delivery of solutions used in production or client-facing environments

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.