Designation: Senior Analyst - Data Science
Experience: 4 to 7 Years
Location: Remote-tn, Tamil Nadu , India (REM_TN)
Job Description:
We are looking for an experienced and highly analytical Data Scientist to join our Risk Analytics team within the Merchant Cash Advance (MCA) and alternative lending domain. The ideal candidate should possess strong expertise in SQL, Python, Machine Learning, and statistical modeling, along with hands-on experience in risk analytics and financial data analysis.
The candidate will work closely with underwriting, risk, collections, fraud, and business teams to develop scalable predictive models and analytical solutions that improve portfolio performance, reduce risk exposure, and support data-driven decision-making across the MCA lifecycle.
This role requires a strong problem-solving mindset, deep analytical capability, and the ability to work with large and complex financial datasets in a fast-paced environment.
Responsibilities:
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Develop and deploy predictive models for MCA risk-related use cases including:
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Default prediction
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Risk scoring
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Fraud detection
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Renewal propensity
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Delinquency forecasting
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Collections optimization
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Analyze merchant transaction data, repayment behavior, bank statements, and portfolio trends to identify business and risk insights.
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Build and optimize complex SQL queries for large-scale data extraction, transformation, and analysis.
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Design scalable data science workflows and analytical pipelines using Python.
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Perform exploratory data analysis (EDA), feature engineering, model training, validation, and monitoring.
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Collaborate with underwriting, credit risk, operations, and business stakeholders to translate business problems into analytical solutions.
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Evaluate model performance using statistical and machine learning metrics and continuously improve model accuracy and stability.
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Work with structured and semi-structured financial datasets from multiple internal and external data sources.
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Support portfolio monitoring and early warning systems for risk mitigation.
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Prepare dashboards, reports, and presentations for senior leadership and business stakeholders.
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Ensure analytical solutions align with regulatory, compliance, and business requirements.
Required Skills & Qualifications
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Strong expertise in SQL, Python, and Machine Learning (Scikit-learn, XGBoost, MLFlow).
- Good understanding of supervised/unsupervised learning, statistical analysis, feature engineering, and model evaluation.
- Experience with Pandas, NumPy, Matplotlib, Seaborn, AWS, BigQuery, and Git.
- Strong domain knowledge in Merchant Cash Advance (MCA), alternative lending, and financial risk analytics.
- Understanding of underwriting, credit risk, ACH/payment behavior, fraud analytics, collections, and portfolio monitoring.
- Strong analytical, problem-solving, communication, and stakeholder management skills.
- Experience with Power BI/Tableau, MLOps, and portfolio analytics is preferred.
- Bachelor’s/Master’s degree in Computer Science, Data Science, Statistics, Mathematics, AI, Finance Analytics, Engineering, or related fields.
- Ideal candidate should have strong hands-on data science and risk analytics experience with the ability to deliver scalable business solutions.
