Data Scientist

About the Company:

Jio Credit Limited (JCL) is at the forefront of India's digital revolution, ready to embrace transformative growth. Our ultimate aim is to lead the charge in financial inclusion by providing seamless access to credit for both consumers and merchants.

At JCL, our approach centres on the customer, emphasizing operational excellence and harnessing cutting-edge technology to set new industry benchmarks. Our goal is to redefine the delivery of financial services, ultimately driving positive change, empowering communities, and contributing to India's prosperity.

Objective:

We are seeking a highly driven data science and analytics professional with 6-9 years of experience in leading AI/ML, credit strategy, product automation, and analytics delivery across financial services. Demonstrated expertise in building end-to-end customer-level scoring frameworks, driving business transformation through data, onboarding alternative data providers and delivering high-visibility projects

Roles & Responsibilities:

• Develop machine learning and rule-based credit scorecards for secured and unsecured loans.
• Strong command over PySpark, Python, and SQL for large-scale data processing, data engineering and analytics. Built segmentation, eligibility models, and monitoring dashboards.
• Possess deep expertise in bureau data interpretation. Applied bureau insights across credit policy design, risk assessment, cross-sell targeting, underwriting strategies and others
• Lead data-driven campaign analytics across products by integrating bureau, app journey, and other data sources. Develop cross-sell and upsell strategies through precise segmentation and automation. Build lead scoring and prioritization logic to improve targeting and conversion.
• Built automated collections dashboards by integrating LMS and collections systems to track key KPIs.
• Partner with the data engineering team to streamline access to high-volume datasets from Big Data. Drive scalable solutions using PySpark, pandas, and cloud tools for data wrangling and ML training
• Built scalable data pipelines to aggregate internal and external data sources. Design automated daily MIS reporting pipelines across various product journeys.
• Collaborate with product, risk, and tech teams to launch AI-driven initiatives
  

Knowledge & Skills:

• Experience: 3-5 years in lending, credit analytics, and financial data science.
• Languages & Tools: Python, PySpark, SQL, Looker Studio, Power BI.
• Data Expertise: Deep understanding of credit bureau data, banking data, customer segmentation, and data platform architecture.
• Process Knowledge: Familiarity with credit policy design, loan lifecycle MIS, and external vendor integrations.
• Innovation: Exposure to GenAI tools and use cases in financial services is a plus.
• Communication: Strong skills in storytelling, requirement gathering, and documentation.
• Dashboarding: Experience with dashboard creation in Power BI / Looker Studio (basic to intermediate proficiency).

  Role & responsibilities

Preferred candidate profile