Job Information Company Accumn Date Opened 06/06/2025 Job Type Full time Industry Financial Services City Ahmadabad City State/Province Gujarat Country India Zip/Postal Code 380001 About Us Yubi stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility. From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles. Job Description About the company: Accumn - a Yubi company, is India’s most advanced AI-first credit decisioning platform, integrating machine learning (ML) and generative artificial intelligence (GenAI) to empower credit managers with precise, data-driven tools for fair and transparent lending decisions. Formed through the strategic consolidation of Corpository and FinFort, Accumn offers a comprehensive suite of solutions to support the entire credit lifecycle—from lead generation and risk management to post- disbursement monitoring. With over 1 lakh active banking and credit users, Accumn has achieved a 66% reduction in credit processing time and boasts an 85% success rate in predicting defaults. The platform has over 5 lakh entities under credit monitoring. The company has been recognized for “Best Use of AI & ML Models for Credit Default Prediction” by Banking Frontiers and “Best Use of AI in Risk Evaluation” by Dun & Bradstreet. Visit www.hello.accumn.ai and www.go-yubi.com to learn more. About the Role: We are looking for an experienced Analyst to spearhead the Analytics initiatives comprising of cutting-edge credit risk assessment models, Unstructured document reading solutions, Data Analysis and more for our banking, NBFC, and fintech customers. In this pivotal role, you will build credit underwriting and risk management strategies, champion innovation in AI/ML-powered customer journey mapping, and drive the development of transformative product solutions for our lending partners. You will leverage your expertise to deliver industry-leading, technology-enabled credit underwriting and risk assessment solutions—empowering lenders to make precise, data- driven lending decisions and mitigate financial risks effectively. Education: CA/CFA/MBA(Finance)  Credit Underwriting Expertise: Provide strategic leadership in credit underwriting and risk management practices for banks, NBFCs, and fintech companies. Implement industry best practices ensuring optimized risk assessment and compliance.  AI/ML Customer Journey Mapping: Build real-time AI/ML models for personalized customer journey mapping, leveraging transaction history, 1:1 engagement, demographics, language preferences, and behavior analytics to enhance credit decisioning.  Scorecard Innovation: Pioneer the design and implementation of cutting-edge scorecards and risk models, harnessing AI and machine learning for highly accurate and explainable risk predictions, coverages of financial performance and compliance indicators.  Exceeding Customer Expectations: Engage proactively with clients, deeply understanding their business requirements. Ensure all analytical models and scorecards not only meet but exceed customer expectations, delivering reliable, actionable insights in a timely manner. Collaborate with sales, products and engineering teams to ensure that customers’ expectations and experiences are met and delivered.  Computer Vision & NLP Applications: Lead initiatives applying ML/AI, computer vision, and natural language processing to extract data from unstructured documents (bank statements, financial statements, notes) to add new dimensions to credit analysis.  Generative AI & Advanced Risk Assessment: Spearhead the training and deployment of generative AI models, yielding sharper risk insights and enabling constructive, forward-looking data analysis.  Product Development Leadership: Collaborate with engineering and product teams to drive the integration of AI/ML into next-generation financial products and systems, ensuring solutions are tailored for the unique needs of the banking and lending industries.  Data Transformation & Reporting: Transform publicly available and internal data into actionable reports, alerts, triggers, and scorecards. Lead the development of automation tools and systems that streamline analysis and reduce manual workloads.  Business Requirements & Leadership: Drive complex, cross-functional requirements gathering, documentation (including PRDs), and project delivery. Engage in maintaining and prioritising Product backlog to accommodate business needs. Build and mentor high-performing teams, establish best-in-class processes, and foster a culture of operational excellence.  Communication & multi-tasking: Articulate complex concepts to diverse stakeholders. Expertly manage competing priorities and deliver quality results within tight deadlines, thriving in fast-paced, dynamic environments. Requirements  CFA Charter holder or equivalent advanced degree with relevant experience in financial analysis.  8+ years of experience in developing credit risk modelling, financial analysis, or related roles within banking, NBFC, or fintech organizations.  Prior experience in developing credit underwriting and risk assessment score cards/models using computer vision (CV), natural language processing (NLP), and generative AI will be preferred.  Deep knowledge of scorecard development, statistical techniques, and interpretability/significance of model outputs.  Proven hands-on expertise in AI/ML model development for credit underwriting, especially using Python, R, or similar platforms.  Track record of successful product development from prototype through launch stage, especially for credit and risk management solutions.  Strong project management, team leadership, and stakeholder engagement skills.  Excellent written and verbal communication skills.  Excellent Data analysis, data visualisation skills.