Profile Overview:
We are seeking a highly experienced Lead Advanced Analytics professional with 5+ years of expertise in developing cutting-edge credit underwriting models using modern machine learning techniques and alternative data sources. This role will drive innovation in our lending decision-making processes and lead a team of analytics professionals in a dynamic fintech environment.
Job Responsibilities
Advanced Model Development & Innovation
- Design sophisticated credit underwriting models using modern ML algorithms (XGBoost, Random Forest, Neural Networks, Ensemble methods)
- Build predictive models leveraging alternative data sources including digital footprints, transactional data, behavioral analytics
- Implement real-time scoring engines and automated decision-making systems
- Develop champion-challenger frameworks for continuous model optimization
Alternative Data Integration & Feature Engineering
- Identify, evaluate, and integrate alternative data sources to enhance model performance
- Build models using psychometric data, device analytics, social network analysis, and open banking data
- Work with unstructured data sources including text, images, and behavioral patterns
- Implement automated feature selection and dimensionality reduction techniques
Machine Learning & AI Implementation
- Apply state-of-the-art ML techniques including deep learning, gradient boosting, and ensemble methods
- Implement explainable AI solutions to ensure model interpretability
- Develop automated machine learning pipelines for model training, validation, and deployment
- Explore and leverage generative AI technologies for innovative underwriting solutions
Team Leadership & Strategic Direction
- Lead and mentor a team of data scientists and analytics professionals
- Take end-to-end ownership of analytics projects from conception to production deployment
- Collaborate with cross-functional teams including product, engineering, and business stakeholders
- Drive analytics strategy and roadmap aligned with business objectives
Model Deployment & Operations
- Implement MLOps practices for streamlined model deployment, monitoring, and maintenance
- Collaborate with data engineering teams to ensure robust data pipelines and infrastructure
- Develop automated model monitoring systems and performance tracking dashboards
- Build A/B testing frameworks for model performance evaluation
Business Impact & Insights
- Analyze large and complex datasets to extract meaningful insights and trends
- Create clear and comprehensive reports, dashboards, and visualizations for stakeholders
- Present findings and recommendations to both technical and non-technical audiences
Required Qualifications
Experience & Domain Expertise
- Minimum 5 years in advanced analytics with focus on credit underwriting in BFSI domain
- Proven track record in fintech/digital lending environments developing credit scorecards using modern ML
- Extensive experience with alternative data integration and non-traditional credit scoring methods
- Leadership experience managing teams of data scientists or analytics professionals
Technical Skills & Programming
- Advanced proficiency in Python, R, SQL, and statistical analysis tools
- Expertise in scikit-learn, XGBoost, TensorFlow, PyTorch, and advanced ML libraries
- Experience with big data technologies (Hadoop, Spark) and cloud platforms (AWS, Azure, GCP)
- Proficiency in data visualization tools like Tableau, Power BI, or similar platforms
- Knowledge of MLOps tools (MLflow, Docker, Kubernetes) for model operations
Advanced Analytics Expertise
- Deep expertise in statistical modeling, machine learning algorithms, and predictive analytics
- Strong background in feature engineering, model selection, and hyperparameter optimization
- Experience with NLP techniques for processing unstructured data and text analytics
- Proficiency in experimental design, A/B testing, and causal inference techniques
Alternative Data & Innovation
- Proven experience with alternative data sources (digital, behavioral, psychometric, social media)
- Knowledge of open banking, API integrations, and real-time data processing
- Experience with computer vision, NLP, and unstructured data analysis
- Understanding of data privacy, ethical AI, and responsible lending practices
Leadership & Communication
- Excellent leadership skills with ability to inspire and develop technical teams
- Strong stakeholder management and cross-functional collaboration abilities
- Exceptional communication skills for presenting complex concepts to business audiences
- Self-driven and comfortable working in fast-paced startup environments
Preferred Qualifications
- Advanced degree (B.Tech/M.Tech) in Engineering, Computer Science, Mathematics, or Statistics
- Experience with embedded finance, digital-first lending platforms, or API-based financial services
- Knowledge of microservices architecture and modern software development practices
- Understanding of various lending products and fintech ecosystem dynamics
