About Company:
We exist to build a financial ecosystem to deliver customer delight. What does this mean? While India has been digitizing at a very high pace, customers still don’t get access to seamless financial products. We plan to start with a pull product, i.e. credit facility and quickly extend to other products in the ecosystem.
We are an organization that believes in a culture of ownership, passionately seeking excellence in execution & challenging the status quo every day. If that sounds like a culture you would like to be part of & you want to positively contribute towards the rapid evolution that is improving financial well-being & growth in credit inclusion for millions of Indians
Company Website: getzype.com
About Role:
We are looking for (Sr) Data Scientists (1 to 4 yrs) who will help us discover information hidden in vast amounts of data and help us make smarter decisions.
Your primary focus will be in performing statistical analysis and building high-quality prediction systems leveraging ML Algorithms for core consumer lending products (Personal Loan, Embedded Financing etc).
An important focus area will be the development of next-generation fraud and credit
decisions and risk models that will enable the company to effectively provide credit to a large under-served population in India. You will also play a key role in other areas including
marketing funnel optimization, customer management and collection.
Roles and Responsibilities:
- End to End ownership of next generation fraud and credit decisioning models, risk-based pricing and loan amount assignment algorithms for personal loan and embedded financing in India
- Develop, implement and monitor credit and fraud risk models by applying advanced AI/ML techniques
- Partner with Decision/Underwriting Engine team and implement models, risk strategies
- Research and apply innovative feature engineering and text mining algorithms to create new features from credit bureau data, customer demographic and alternate data (structured and unstructured)
- Play a pivotal role in selecting features, building and optimizing classifiers using machine learning techniques
- Execution of analytical experiments methodically to help solve various problems and make a true impact across the consumer lending lifecycle
- Building data driven solutions for different stages of customer journey.
Skills and Qualifications:
- Bachelors or Master Degree in Computer Science/Applied Math/Stats/Economics – with good exposure to Applied Math/Statistics and real-world experience in solving problems using ML techniques.
- Hands-on expertise with Python and SQL
- Excellent understanding and hands on experience of applying machine learning techniques and algorithms, such as Gradient Boosting methods (GBM), XGBoost, Random Forest etc
- 1-4 years’ experience in analytics, experience in a Fintech/Financial service industry, preferably for India market (Consumer lending space)
- Experience in risk management of lending products for acquisition or across the lifecycle of consumer credit is a big plus.
- Technology-driven mindset, digitally curious, up to date with digital and technology literature, trends
- Excellent communication, storytelling and presentation skills