- Develop customer level risk prediction models & underwriting policies (credit and fraud), propensity models leveraging credit bureau, application level and alternate data for consumer lending products like Personal loan.
- End to End ownership of development, implementation, and monitoring of next generation risk models & underwriting strategies, riskbased pricing strategies and customer management initiatives.
- Build and maintain a robust monitoring framework to track performance of risk models and policies.
- Develop data science model and data driven strategies to drive improvement across marketing, partnership, operation, and collection.
- Ensure flawless implementation of models in both batch mode and real time scoring in risk decisioning engine in partnership with product and technology team.
- Research and apply innovative feature engineering and text mining algorithms to create new features from credit bureau, bank statement data, customer demographic and alternate data (structured and unstructured)
- Master's degree in statistics, mathematics, engineering, data science, economics, or computer science.
- 2+ years of handson experience in statistical model development in customer targeting models or customer level risk prediction models in consumer lending/finance industries, leveraging logistic regression/Gradient boosting algorithms using python packages e.g. Scikit learn, XGBoost, Stats models etc.
- 2+ years of handson experience with data extractions, cleaning, feature engineering, analysis and creating reusable codes using Python, SQL/Spark SQL/SnowSpark etc.
- Experience with Snowflake, AWS Athena/S3 on other cloudbased platform is a plus
- Prior experience in financial services domain is a big plus.
- Strong analytical mindset and the ability to evaluate complex scenarios and make datadriven decisions.
- Be creative and curious, willingness to learn new tools and techniques.
- Dataoriented personality, ability to work with high level objectives and formalising approaches and solutions.
- Excellent communication and interpersonal skills to effectively collaborate with diverse stakeholders.
- 01 Velocity
- Exponential Learning
- Uncapped Leaves
- Amazing colleagues )
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Description
Senior Data you'll do: