We are looking for a Data Scientist/Modeller with strong experience in credit risk and growth modelling for consumer lending. The role involves building acquisition scorecards, propensity and intent models, and driving data-led decisioning across underwriting and growth.
Key Responsibilities :
- Develop Acquisition Scorecards (NTC/thin-file/full-file)
- Build Affluence/Income estimation models
- Develop Propensity & Intent models for cross-sell and customer targeting
- Design behavioral scorecards for portfolio management
- Perform feature engineering using bureau, banking, and behavioral data
- Work on model deployment, monitoring, and recalibration
- Partner with Risk, Product, and Growth teams to optimize approval rate vs credit cost
Required Skills :
- Strong expertise in Python & PySpark
- Hands-on experience with ML models (XGBoost, LightGBM, etc.)
- Experience in credit risk modelling / scorecards
- Strong SQL and data analysis skills
- Exposure to LLM/NLP use cases (good to have)
- Understanding of consumer lending / bureau data
Preferred Profile :
- Experience in Fintech/NBFC/Banking (Retail Lending)
- Hands-on exposure to end-to-end model lifecycle
- Strong problem-solving and stakeholder management skills
- 3-5 years of experience
Why Join Us :
- Work on high-impact, real-time credit decisioning systems
- Opportunity to solve complex problems in digital lending, UPI, Payments
- Fast-paced, data-driven environment with strong growth potential
Work Location: In person
