InCred Finance - Chief Manager/AVP - Analytics

Description

Job Title :

About The Role

Key Responsibilities

• Develop acquisition scorecards - Full-Stack development of ML/Regression Models for Score Cards catering to Personal Loans (PL) for self-employed customers or Unsecured Business Loans (UBL) for MSMEs using multiple data sources.
• Analyze and interpret GST data, banking transactions, credit bureau reports, and alternate data to enhance risk assessment.
• Design and implement credit policies and customer journeys tailored to the self-employed segment.
• Conduct post-implementation validation, monitoring, and performance tracking of risk models.
• Perform portfolio analytics to identify trends, mitigate risks, and optimize underwriting strategies.
• Collaborate with cross-functional teams including data science, product, and risk management to drive credit decisioning strategies.
• Utilize big data tools and advanced analytics techniques to improve credit risk assessment models.
  

Experience Required

• Overall 5 to 8 years of experience in business / risk analytics in a lending company
• Minimum 2 years of experience in developing acquisition scorecards for PL (self-employed customers) or UBL (MSMEs).
• Strong understanding of GST data and its application in credit risk analytics.
• Experience in portfolio management, risk model validation, and credit decisioning strategies.
  

Skills & Competencies

• Credit Risk Modeling, Data Modeling, and Portfolio Analytics
• Python, SQL, Advanced Excel, and Data Visualization
• Data Science / Big Data Analytics and exposure to machine learning techniques
• Analytical Thinking & Problem-Solving Ability
• Strong Oral and Written Communication Skills
• Ability to work with large datasets and extract meaningful insights
  

Qualification

• B.Tech/M.Tech/B.E. in a quantitative field such as Computer Science, Mathematics, Statistics, or Engineering.
• Certifications in Data Analytics, Credit Risk, or Machine Learning will be an added advantage.
  

Why Join Us?

• Opportunity to work in a fast-growing credit risk team with a focus on innovation and data-driven decision-making.
• Exposure to cutting-edge risk modeling techniques and big data applications.
• A collaborative work environment with opportunities for career growth and skill development.