{"id":2213015,"url":"https://alion.io/job/indusind-bank-vice-president-data-science","title":"Vice President - Data Science","company":{"id":3806468,"name":"IndusInd Bank","domain":"indusind.com","url":"https://alion.io/company/indusind-bank","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":null,"truth_index":null},"role":"Leadership","role_family":"Leadership","seniority":"head","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Mumbai, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":5000000,"max":5500000,"currency":"INR","period":"year","gross":true,"usd_annual":57101},"salary_estimate":null,"experience_years_min":10,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Machine Learning","optional":false}],"status":"live","first_seen_at":"2026-10-10T04:32:02Z","employer_posted_date":null,"last_verified_at":"2026-10-10T04:32:02Z","board_verified":false,"closed_at":null,"days_open":23,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":23},"description":"Role & responsibilities : \n\nWe are seeking an experienced Credit Risk professional with 10+ years of experience in Credit Risk Modelling, Portfolio Analytics, and Risk Strategy. The role will be responsible for driving end-to-end credit risk strategy across the customer lifecycle including model development, monitoring and deployment, portfolio management, IFRS 9/ECL analytics, and other data science initiatives.\n\n- Own and define the credit risk strategy and risk appetite framework across retail lending portfolios ensuring alignment with business objectives and long-term risk tolerance.\n\n- Oversee the end-to-end model lifecycle for Application, Behavioral, Collections, and IFRS 9/ECL models, including development, governance, validation, implementation, and ongoing performance optimization.\n\n- Drive portfolio analytics and performance management through continuous monitoring of acquisition quality, vintages, delinquencies, losses, credit costs, early warning indicators, concentration risks, and emerging portfolio trends.\n\n- Recommend enhancements to credit policies, underwriting frameworks, and decision strategies by translating analytical insights into actionable risk controls, customer segmentation, approval criteria, exposure management, and portfolio optimization initiatives.\n\n- Build and enhance automated decisioning and Straight-Through Processing (STP) frameworks, leveraging bureau data, open banking data, alternative data sources, and advanced analytics to improve risk-adjusted growth and customer experience.\n\n- Establish robust model risk management practices, including model validation, performance monitoring, drift detection, periodic recalibration, redevelopment, documentation, governance, and audit readiness.\n\n- Partners with Business, Product, Technology, Data Engineering, and Operations teams to evaluate growth opportunities, implement risk strategy changes, optimize customer acquisition, and enhance portfolio profitability.\n\n- Present portfolio insights, model outcomes, stress-testing results, and strategic recommendations to senior leadership, management committees, board-level forums, and risk governance committees.\n\n- Ensure compliance with regulatory, governance, and audit requirements, including RBI guidelines, model governance standards, IFRS 9 requirements, internal audits, and external regulatory reviews.\n\n- Drive risk transformation and innovation initiatives by improving data infrastructure, analytical capabilities, decision engines, monitoring frameworks, and end-to-end credit lifecycle processes.\n\n- Lead, mentor, and develop high-performing analytics and risk teams, fostering technical excellence in statistics, machine learning, risk modelling, portfolio analytics, and strategic decision-making.\n\nEssential requirements : \n\n- Bachelor's degree in Statistics, Mathematics, Economics, Engineering, or quantitative Finance or Management.\n\n- 10+ years of progressive experience in data science, Credit risk analytics, with a clear track record of owning portfolio risk in a bank, NBFC, or fintech.\n\nPreferred : \n\n- Master's degree from Statistics, Mathematics, Economics, Engineering, or quantitative Finance or Management.\n\nFunctional Traits : \n\n- Credit Risk Strategy & Portfolio Management : Ability to define risk appetite, optimize portfolio performance, and balance growth, profitability, and risk.\n\n- Risk Modelling Expertise : Strong experience scorecards development, stress testing, model governance, and validation.\n\n- Advanced Analytics & Decisioning : Expertise in statistics, machine learning, portfolio analytics, automated decisioning, and risk policy design.\n\n- Regulatory & Governance Knowledge : Deep understanding of RBI regulations, IFRS 9, model risk management, and audit/compliance requirements.\n\n- Business & Stakeholder Management : Ability to translate analytical insights into business strategy and influence senior leadership decisions.\n\nDesired Behavioural Traits : \n\n- Strategic Thinker : Anticipates emerging risks and aligns risk strategy with long-term business objectives.\n\n- Strong Leadership : Builds, mentors, and develops high-performing analytics and risk teams.\n\n- Influential Communicator : Effectively presents complex analytical insights to senior stakeholders and governance forums.\n\n- Change & Innovation Driven : Champions transformation, automation, and data-driven decision-making across the credit lifecycle.\n\nSkills\nData Science, Machine Learning, CAIO, Data Management, Data Scientist, Credit Risk Modeling, Artificial Intelligence","description_format":"text","description_chars":4557,"description_truncated":false,"requirements":{"experience_years_min":10,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Growth opportunities"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Commercial & Retail Banks"],"lifecycle":[{"event":"open","at":"2026-10-10T04:32:45Z"}],"visa":[],"liveness":{"score":52,"band":"ok","label":"Likely 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