Senior Data Scientist

Job Title: Senior Data Scientist - Credit Risk Modelling

Location: Gurgaon

Department: Risk and Data Science

About Us: Turno (Brand of Blubble Pvt Ltd) is an Electric Vehicle company that helps operators of commercial vehicles to switch to EVs. Turno does this by providing a wide selection of vehicles from partner OEMs, affordable financing, and battery value guarantees to ensure the highest return on value for EV owners. Turno's mission is to transition gasoline miles to electric miles in India. Turno is founded by Hemanth Aluru and Sudhindra Reddy Pidapa – experienced entrepreneurs in the mobility industry with a strong track record of value creation.

Recently, they led Zoomcar, India's largest personal mobility platform.

Key Responsibilities:

● Predictive Risk Modeling: Develop predictive models for loan default prediction, collection propensity to improve business decisions and improve profitability.

● Risk Strategy Support: Work closely with the sales, product, risk, and operations teams to analyze customer behavior, identify sustainable growth opportunities while maintaining risk, and recommend strategies to increase customer acquisition, retention, and lifetime value.

● Customer Segmentation: Build advanced customer segmentation models based on behavioral, transactional, and demographic data to support targeted business strategies and personalized product offerings.

● A/B Testing & Experimentation: Design and execute A/B tests and multivariate experiments to evaluate product and business strategies, ensuring decisions are data-driven and aligned with business objectives.

● Automation & Optimization: Leverage data science to automate processes, optimize decision-making workflows, and improve operational efficiency across customer acquisition and servicing.

● Collaboration with Stakeholders: Communicate findings and insights effectively to non-technical stakeholders, translating complex data into actionable business strategies.

Technical Skills:

● Proficiency in ML Techniques like Logistic Regression, Clustering, XGBoost Models, Survival Models, and advanced feature engineering and model evaluation techniques

● Understanding of lending metrics such as vintage curve, Roll Rates, and Bounces.

● Proficient in Python and SQL.

● Knowledge of data visualization tools (e.g., Tableau) and MS Excel.

● Well-versed in API development(Flask APIs and Fast APIs framework)

● Strong mathematical ability.

● Proficiency in Advanced ML Techniques like Neural Network, LLM - Good to have but not mandatory

Qualifications:

● Education: Bachelor’s or Master’s degree in Engineering, Data Science, Statistics, Mathematics, Computer Science, Economics, or a related field.

● Experience: 3-5 years of experience in a data science role, with a focus on growth, customer acquisition, or marketing in a fintech or banking industry.

Why Join Us?

● Innovative Environment: Work in a fast-paced, data-driven environment where your insights will directly contribute to the company's growth.

● Career Growth: Opportunities to expand your expertise and grow within a rapidly scaling company.

● Competitive Compensation: Enjoy a competitive salary and other benefits

● Impact: Play a key role in transforming the lending industry with data-driven decisions and innovative solutions. If you are excited to make an impact in a fast-growing lending company and have a passion for leveraging data to drive growth, we would love to hear from you!