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
