Data Scientist

Role : Data Scientist

Reporting to : Lead - Data Science

Place of Posting : Mumbai - CO

Job Purpose :

- Drives Data-Driven Decision-Making : This position ensures that critical business decisions across product development, marketing, operations, and strategy are informed by rigorous data analysis and predictive modeling, moving us beyond intuition to evidence-based choices

- Unlocks Business Value from Data Assets : By leading the development and deployment of advanced analytical models and machine learning solutions, this person directly contributes to identifying new revenue streams, optimizing existing processes, and enhancing customer experiences, thereby maximizing the return on our significant data investments

- Builds and Nurtures High-Performing Analytical Capabilities : This role is pivotal in cultivating a skilled and innovative data science team. By mentoring talent and fostering best practices, the manager ensures the continuous evolution of our analytical capabilities, keeping the organization competitive and at the forefront of data innovation

- Translates Complex Problems into Tangible Solutions : The manager acts as a vital bridge between complex technical concepts and practical business applications. They are responsible for understanding high-level organizational challenges and translating them into robust data science projects that deliver measurable impact and solve real-world problems

- Ensures Scalability and Reliability of Data Products: This position is key to establishing and maintaining the operational excellence of our data science solutions. It ensures that models are not only accurate but also scalable, reliable, and integrated seamlessly into our systems, enabling sustained long-term value.

This role isn't just about managing people; it's about optimizing our most valuable asset-data-to achieve core business objectives and sustain growth.

Key Responsibilities :

- Develop custom solutions using predictive modelling that solve critical business problems across the value chain of lending business : Acquisition, Underwriting, Portfolio management and collections

- Create a governance framework to monitor the performance of predictive solutions and recommend the action along with potential impact

- Manage end to end analytics projects and collaborate with both internal and external stakeholders on defining the project plan, scope, methodology, potential impact of the solution and timelines

- Articulate and communicate results of the implemented solutions with technical documentation

- Improve and implement best practices with respect to new methodologies, model building and validation, automation of existing solutions

- Lead and mentor junior team members to produce high quality deliverables within demanding timelines and creating high impact to get the revenue or potential cost savings

Required Experience :

- 5 - 7 years of experience in Analytics and data science

- Extensive experience with predictive modelling within BFSI industry, Indian banking is mandatory

- Strong communication and presentation skills

- Extensive experience on handling credit bureau and other alternate data sources

- Collaborate, design and implement STP (straight through process) for various Pre-approved offers for the existing/new customers

- Extensive experience in GNPA/Loss forecasting, building and validating various Acquisition/behavioral/collection models, customer analytics is preferred

Required Qualification :

- Bachelors degree in Analytics/Economics/Mathematics/Engineering is mandatory

- Masters degree is preferred

Technical Competencies :

- Strong technical proficiency in tools and technologies R, Python, SAS is mandatory.

- Experience of developing and deploying predictive models on ML platforms such as Spark beyond, H2O, Datarobot, SAS Viya etc is preferred

- Knowledge of cloud platforms including AWS, Microsoft AZURE, /Google cloud platform is preferred

Skills

Data Science, Data Scientist, Predictive Modeling, Analytics, R, Python, SAS, Machine Learning, AWS, SAS Viya