3 Behavioural Scorecard Jobs

Function: BCM Data & Advanced Analytics With a startup spirit and 115,000+ curious and courageous minds, we have the expertise to go deep with the worlds biggest brandsand we have fun doing it. We dream in digital, dare in reality, and reinvent the ways companies work to make an impact far bigger than just our bottom line. Were harnessing the power of technology and humanity to create meaningful transformation that moves us forward in our pursuit of a world that works better for people. Now, were calling upon the thinkers and doers, those with a natural curiosity and a hunger to keep learning, keep growing., People who thrive on fearlessly experimenting, seizing opportunities, and pushing boundaries to turn our vision into reality. And as you help us create a better world, we will help you build your own intellectual firepower. Welcome to the relentless pursuit of better. Inviting applications for the role of Manager/Sr Manager, Credit Decisioning Scorecard and/or Credit Risk Strategy Development In this role, you will be responsible for Development of Credit Decisioning Scorecards (Application, Acquisition, Behavioral, Collections Scorecards etc) and/or development of Credit Risk Strategies for banking and financial institutions. Responsibilities also include bringing in industry best practices and consultative inputs for scorecards and strategy development. Responsibilities You will be primarily working as a consultant for the centralized advanced analytics team of a banking or financial firm.; Your activities will include, but will not be limited to the following: Provide analytical support for recommending actions to mitigate risk and use judgment-based decision-making regarding policies and procedures. Assess the quality of the data for model development as well as inputs to the model, providing recommendations to improve the data quality at the source. Works hands-on in development, re-development and calibration of Credit Decision Scorecards and/or design Credit Risk strategies. Handling data and quantitative analysis to support modeling decisions. Leading development of model methodologies, algorithms and diagnostic tools for testing model robustness, sensitivity and stability. Detailing model techniques and interpretation of variables used in the models to be documented and presented to client Stakeholder. Validation for the source data quality, forecast data quality as well as change management. Drafting thorough technical documents for distribution and presentation to senior management, model developers, auditors and regulators. Developing Machine Learning based models and/or statistical and mathematical models, rule fine tuning/optimization, testing, reviewing, and performing validation activities and prepare end to end model documentation. Conducting in-depth research on existing and emerging policies related to best practices in the industry and contributing to the creation of whitepapers. Researching and contributing to artifacts creation as required in a consulting role. Qualifications we seek in you! Minimum qualifications Hands-on experience in developing credit risk scorecards and credit risk strategies Statistical modeling experience including regression, GAM, time series, Markov TPM, survival techniques etc. Hands-on experience application of AI, ML, Deep Learning techniques (Neural Networks, RNN, CNN, LSTM, Decision Tree, Random Forest, SVM, Naive Bayes etc.) for development of predictive models Detailed knowledge of data analysis / analytics / mining techniques Hands on expertise in SQL, ETL, SAS, Python, R working with large data sets. Strong scripting and automation experience using SAS/Python/R etc. Masters degree in a quantitative discipline (Statistics/Economics/Finance/Data Science etc.) Strong client management and communication/presentation skills written & verbal. Self-driven, proactive, can-do attitude. Ability to work under ambiguity and with minimal supervision. Strong project management experience and demonstrated expertise of communicating and coordinating across multiple business units. Strong project management orientation with ability to work under time-sensitive commitments. Lead projects and teams - provide thought leadership, technical guidance, training, and oversight. Preferred qualifications Strong networking, negotiation and influencing skills. Rich experience in BFS analytics & credit risk modeling

JD - Senior Data Scientist - Mumbai based NBFC Experience - 4-8 Years 5 Days work from Office Mandatory Skills - BFSI relevant exp (banking and NBFCs only) Model Development experience (Scorecards - Application & Behavioural) / Credit Risk Models(PD, EAD, LGD) CRIF / CIBIL / Credit Bureau data experience Strong coding skills Python & SQL Role & responsibilities 4 6 years of relevant analytics experience in banks, NBFCs, Fintechs, consultancies. Lead end to end execution of analytical requirements including model development, implementation & stakeholder communication. Strong understanding of ML algorithms and statistical modelling to address problems predominantly in BFSI domain. Articulate complex data science models / analysis to relevant audience and effectively present the solution in a concise & neat manner. Design, prototype, build & maintain frameworks for consumption of machine learning models at scale. Perform feature engineering through extracting meaningful features from traditional and alternate data sources. Mentor team of data scientists Preferred candidate profile Proficiency in Python, SQL, AWS / GCP / Azure Bachelors / Masters degree in mathematics, Statistics, Economics, Computer Science or other quantitative course Modelling expertise proficient in building predictive & statistical models Technical expertise proficiency in Python, SQL, AWS, big data frameworks Stakeholder communication Able to work in a cross functional environment involving multiple teams

JD - Data Scientist - Mumbai based NBFC Experience - 1-4 Years 5 Days (Work from Office) Mandatory Skills - BFSI relevant exp (banking and NBFCs only) Model Development experience (Scorecards - Application & Behavioural) / Credit Risk Models(PD, EAD, LGD) CRIF / CIBIL / Credit Bureau data experience Strong coding skills Python & SQL Role & responsibilities Developing Statistical model/ Scorecards (Application & Behavioural) / Credit Risk Models (PD, EAD, LGD) independently Engage in advanced data analysis to uncover trends and correlations. Utilize statistical methods and tools to drive insightful recommendations for business strategies and process improvements. Use the data insights to design, develop and build scalable and advanced machine learning models, algorithms and implement them in production through robust systems and architectures Work closely with stakeholders across various departments including product, business analytics, marketing, operations and tech teams and influence business strategy Be abreast of the advanced research and techniques in the deep-learning and artificial intelligence space, and conduct experiments to give the best output Identify, develop, manage, and execute data analyses to uncover areas of opportunity and present business recommendations to drive cost benefit analysis and go/no-go decisions on various initiatives Develop a roadmap and metrics to measure progress of the initiative they own Lead initiatives for full-scale automation in collaboration with data engineering teams, enhancing data accuracy and operational efficiency Preferred candidate profile Degree in mathematics, Statistics, Economics, Computer Science or another quantitative course Excellent understanding of machine learning techniques and algorithms, such as k-NN, Naive Bayes, SVM, Decision Forests, LLM, Generative AI, NLP, Transformer etc. A strong level of proficiency in data engineering and ML orchestration services, such as S3, dynamoDB, AWS Sagemaker, AWS Step Functions, AWS CodeCommit, AWS Code Pipeline 1+ years of data querying languages (e.g. SQL), scripting languages (e.g. Python)