Senior AI Strategy Lead

As a Senior AI Strategy Lead in Kochi, Kerala with over 10 years of experience, you will play a crucial role in driving the AI-led transformation of the organization. Your primary responsibility will be to leverage artificial intelligence and machine learning to optimize credit assessment, risk management, customer/staff engagement, and operational efficiency. **Key Responsibilities:** - **AI Strategy & Roadmap Development** - Define and execute the AI strategy aligned with business goals and regulatory requirements. - Identify AI/ML-driven opportunities across credit underwriting, fraud detection, customer engagement, and collections. - Collaborate with leadership to integrate AI into the company's digital transformation initiatives. - **AI-Driven Credit & Risk Management** - Develop AI models for credit scoring to improve underwriting accuracy, reduce NPAs, and expand financial inclusion. - Implement AI-based fraud detection and risk assessment frameworks. - Ensure AI solutions comply with RBI regulations and Fair Lending practices. - **Customer Engagement & Personalization** - Drive AI-powered chatbots, predictive analytics, and customer segmentation to enhance borrower experience. - Use AI/ML to reduce drop-offs in loan applications and improve collections efficiency. - Leverage alternative data (social, behavioral, financial) for deeper customer insights. - **AI Operations & Model Governance** - Oversee the end-to-end deployment, monitoring, and lifecycle management of AI/ML models. - Establish AI governance frameworks to ensure transparency, fairness, and accountability in AI applications. - Drive automation in loan origination, servicing, and compliance reporting using AI. - **Cross-functional Collaboration & Stakeholder Management** - Work closely with business, risk, compliance, technology, and data science teams to drive AI adoption. - Partner with FinTechs, AI startups, and data providers to enhance AI capabilities. - Train and upskill internal teams on AI literacy and data-driven decision-making. - **AI Regulatory Compliance & Ethical AI Practices** - Ensure AI models align with RBI guidelines, data privacy laws, and ethical AI principles. - Develop AI-based solutions for financial inclusion while mitigating bias and discrimination risks. **Key Requirements:** - **Education & Experience:** - Bachelors/Masters in AI, Data Science, Computer Science, or a related field (MBA preferred). - 5+ years of experience in AI/ML, Data Science, or Digital Transformation, preferably in BFSI/NBFC/Microfinance. - Experience in building AI-driven credit models, fraud detection systems, or customer analytics is a plus. - **Technical Skills** - Strong expertise in AI/ML modelling, Python/R, SQL, cloud platforms (Oracle would be preferable). - Experience with AI frameworks (TensorFlow, PyTorch, Scikit-Learn) and Big Data technologies. - Knowledge of OCR, NLP, and automation technologies in financial services. - **Soft Skills & Leadership Abilities** - Strategic mindset with the ability to align AI initiatives with business objectives. - Strong stakeholder management, problem-solving, and innovation mindset. - Ability to work in a fast-paced, regulated environment with a customer-first approach. As a Senior AI Strategy Lead in Kochi, Kerala with over 10 years of experience, you will play a crucial role in driving the AI-led transformation of the organization. Your primary responsibility will be to leverage artificial intelligence and machine learning to optimize credit assessment, risk management, customer/staff engagement, and operational efficiency. **Key Responsibilities:** - **AI Strategy & Roadmap Development** - Define and execute the AI strategy aligned with business goals and regulatory requirements. - Identify AI/ML-driven opportunities across credit underwriting, fraud detection, customer engagement, and collections. - Collaborate with leadership to integrate AI into the company's digital transformation initiatives. - **AI-Driven Credit & Risk Management** - Develop AI models for credit scoring to improve underwriting accuracy, reduce NPAs, and expand financial inclusion. - Implement AI-based fraud detection and risk assessment frameworks. - Ensure AI solutions comply with RBI regulations and Fair Lending practices. - **Customer Engagement & Personalization** - Drive AI-powered chatbots, predictive analytics, and customer segmentation to enhance borrower experience. - Use AI/ML to reduce drop-offs in loan applications and improve collections efficiency. - Leverage alternative data (social, behavioral, financial) for deeper customer insights. - **AI Operations & Model Governance** - Oversee the end-to-end deployment, monitoring, and lifecycle management of AI/ML models. - Establish AI governance frameworks to ensure transparency, fairness, and accountability in AI applications. - Drive automation in loan origination, ser