Data Scientist

1 month ago

Gurugram, India CARS24 Full time

What drives us?

Imagine: a single tap on your phone unlocks a world that transforms your entire car ownership journey, covering every milestone - from finding your perfect match to keeping it running smoothly, to selling it later. That's the future we're building at CARS24 Financial Services. Our mission is to ensure car ownership is stress-free.

We want our customers to focus on the open road, not roadside worries. We're building a one- stop shop - a Super App for all their car needs, powered by technology, data science, and deep customer insights.

We are already one of the largest Autotech companies in the world, but we are not stopping here. We aim to grow 10x in the next five years.


What will you drive?

As a member of Risk Models Data Science team, you would be managing the models through their lifecycle. You will be exposed to activities ranging from (but not limiting to) model development, evaluation, validation, monitoring, implementation testing and documentation. You will have an opportunity to learn industry best practices in credit models development and will also be working on experimental models using machine learning techniques. You will also own the models and be a SPOC for all assessment by Risk Management team.


Essential Responsibilities:

  • Credit risk model development using traditional logistic regression and machine learning techniques.
  • Validation and monitoring of internal and external credit models by computing standard metrics.
  • Detailed documentation of the model development activity for review from Risk Management
  • Challenging the existing procedures to bring in more efficiency to the model development process
  • Preparing project presentations for review of Senior Management
  • Evaluate various business problems across credit function and proposing model-based solutions
  • Mentoring the junior members in the team for day-to-day activities
  • Work closely with Cars’24 portfolio teams to understand changes in model performance
  • Work on multiple projects and perform other duties and/or special projects as assigned.
  • Provide analytic support on key business initiatives and develop a strong working knowledge of the data warehouse and applicable analytic data systems.
  • Work independently with stakeholders and propose insights for decision making


Who are we looking for?

  • Masters /Bachelors Degree in Mathematics/Statistics, Operations Research, Economics, Computer Science/Engineering.
  • 5+ years relevant analytical experience in Scorecard development, ML modelling, Segmentation and Clustering.
  • Minimum 2 years- experience in Consumer Credit.
  • Must have at least 2 years hands on experience in building credit models using SAS or Python or R.
  • Working knowledge of Logistical/Linear/Regressions CHAID/CART/Clustering techniques.
  • Experience working in Hadoop and Bigdata environments. Possess strong coding skills in Python and Pyspark.
  • Classical statistical techniques: Regression, Logistic regression, Clustering, Dimensionality reduction techniques,
  • Machine Learning algorithms: KNN, NBM, DT, CART, Boosting & Bagging models, SVM, Neural net, Ensemble models etc.
  • Working knowledge of credit bureau/Banking or any alternative data


Interested candidates can share their CVs at - priyanka.janghu@cars24.com along with their current compensation details.

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