Data Scientist

JD for Chief Manager, Business Analytics / Data Science

Key Responsibilities:

The role of Chief Manager in Data Science team will include the following responsibilities:

- Designing credit underwriting strategies and customer journey for InCred’s consumer lending business across multiple digital and phygital channels.
- Leveraging market and customer analytics to uncover growth opportunities through city and channel expansion, alongside continuous enhancement of customer journey metrics in current channels.
- Tracking credit risk performance of the portfolio, and risk diagnostics to identify levers to further reduce credit risk
- Building and maintaining acquisition scorecards for new customers, as well as portfolio level behavioural scorecards for driving cross-sell business
- Designing test experiments for discovering the right product market fit for new channels
- This role will be a managerial role, with 2-3 business analysts reporting to the Chief Manager

Skills &

Competencies:

- Technical

Skills:

- Credit Risk Modelling, Data Modelling, 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

Qualifications &

Experience:

- 4-7 years of working experience in a retail lending analytics role in Fin Tech / NBFC / Bank
- BTech from Tier 1 engineering college or equivalent
- Managerial experience managing at least 1-2 junior analysts

Location:

Mumbai