Data Scientist

Role: Data Scientist – Credit & Risk Analytics (2 Years Exp.)

Job Summary:

We are looking for a hands-on Data Scientist with 2+ years of experience to join our fast-

growing NBFC. You’ll play a critical role in developing models and data-driven systems that

drive credit underwriting, collections strategy, portfolio monitoring, and fraud risk

detection.

You will work closely with product, credit, risk, and technology teams to design, build, and

deploy analytics solutions in a lean, entrepreneurial environment.

Education: Bachelor or above in Engineering / Mathematics /Statistics/ Computer

Application

Experience: Minimum 2 years of experience in below items:

Projects: Statistical Model building, validation and improving

Tools: SQL and Python

Technology: Cloud based platforms like Azure, Distributed database like HDFS

Key Responsibilities:

1. Credit & Risk Modeling :

a. Build and maintain credit scorecards, risk-based pricing models, and early

warning systems.

b. Design segmentation and behavioral models using repayment, bureau, and

alternate data.

c. Develop PD/EAD/LGD models for Expected Credit Loss (ECL) provisioning.

2. Business Intelligence & Monitoring:

a. Create and maintain dashboards on loan performance, delinquency trends,

collections efficiency, and customer funnel metrics.

b. Build daily/monthly MI reports and KPI trackers for business & risk

committees.

3. Data Engineering & Automation

a. Write efficient SQL/Python code to clean, transform, and merge data from

multiple systems (LMS, CRM, Collections, Bureau).

b. Work with tech to integrate ML models into production APIs or workflows.

4. Strategy & Decision Support:

a. Support credit policy formulation by analyzing bureau trends, customer

behavior, and campaign responses.

b. Analyze collections efficiency, field executive performance, and provide

actionable insights.

5. Documentation & Governance:

a. Maintain thorough documentation for models, assumptions, data sources,

and limitations.

b. Ensure model governance, versioning, and reproducibility.

Required Skills & Experience:

1. 2+ years of hands-on experience in a data science or risk analytics role (preferably in

BFSI/NBFC/Fintech).

2. Strong programming skills in Python, SQL, and data visualization tools (Power

BI/Tableau).

3. Knowledge of credit bureau data, DPD buckets, underwriting rules, and NBFC

compliance requirements.

4. Experience working with structured datasets from LOS/LMS, CRM, and field

collections data.

5. Strong analytical thinking, attention to detail and presentation skills.

Job Type: Full-time

Pay: ₹30,000.00 - ₹50,000.00 per month

Ability to commute/relocate:

• Kochi, Kerala: Reliably commute or willing to relocate with an employer-provided relocation package (Preferred)

Application Question(s):

• which industry have you worked for as a data scientist?
• Current CTC?
• Notice Period?

Experience:

• Data science: 3 years (Preferred)
• Python: 3 years (Preferred)

Work Location: In person