Assistant Vice President/Vice President

2 weeks ago

Bengaluru, Karnataka, India Credit Saison India Full time

About Credit Saison India:

Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI). CS India is part of Saison International, the global business arm of Credit Saison with a focus on wholesale and direct lending as well as integrated tech partnerships with leading NBFCs and fintechs. In 2024, CS India received a US$145M strategic investment from Mizuho, its first capital injection from an external investor

Currently, Credit Saison India has a branch network of over 40 physical offices across India, 1.2 million active loans, an AUM of over US$1.2B, and an employee base of over 800 people. Credit Saison India has achieved an AAA rating from CRISIL (a subsidiary of S&P Global) & CARE Ratings. The AAA rating reflects Credit Saison India's operating track record and the support of its parent, Credit Saison.

More information about the company can be found at

Roles & Responsibilities :

Leading a team of data scientists and machine learning engineers to develop, implement, and test scalable solutions for the fintech/lending domain.

Mentor peers and junior members and handle multiple projects at the same time.

Manage the continuous improvement of data science and machine learning led initiatives by following industry best practices and staying up-to-date with and extending the state-of-the-art in data science research.

Collaborate with business stakeholders to identify and solve business problems using AL/ML/Data Analytics with clearly defined metrics to measure success.

Design, develop and implement real-time, highly complex advance machine learning models to solve credit business problems (demand generation, marketing, fraud, credit, account management and collections)

Own research and prototyping of solutions; data and requirements gathering; solution scoping and architecture; development, deployment, and maintenance of solutions.

Provide timelines and own end to end delivery of projects.

Analyse data to identify trends, perform root cause analysis and test hypotheses.

Communicate complex concepts and the results of the models and analyses to technical and non-technical audience

Prioritize to manage ad-hoc requests in parallel with ongoing projects.

The role is 50% technical (involves coding and implementation of solutions and models) and 50% delivery management of projects including external stakeholder management.

Promote and support company policies, procedures, mission, values, and standards of ethics and integrity

Required skills & Qualifications :

A highly talented technical leader with years of hands-on experience in building AI/ML and data analytics applications from exploration to production

5+ years of experience in a responsible senior or team lead role managing a team of data scientists and engineers who develop, deploy, and maintain robust machine learning models

Experience in leading cross-functional, highly complex Data Science projects

Strong knowledge of Python, databases (SQL and NoSQL) , advanced analytics/statistical techniques such as general linear model, ANOVA, decision trees, linear regression, Bayesian, tree-based learners, SVM, RF, XGBOOST, etc.

Hands-on coding experience will be required to code regularly.

Experience building scalable solutions, feedback loops for model evolution, and end to end automation of model generation and deployment

Basic knowledge of software architecture design, docker, microservices, cloud computing and AWS services

8+ years of relevant experience within credit, risk, collections management, ideally at a high-growth technology and/or financial services company. (Application Scorecard, Behaviour Scorecard, Collection Score Card, Loan Pricing, Loss Forecasting, Cross-Sell Model)

Analytically oriented with the ability to grasp complex risk management strategies, processes, models and draw insights / identify areas of opportunity

Strong communication skills - ability to clearly and succinctly communicate technical subject matter to other team members and Senior Management team

Strong interpersonal skills - collaborate with people across functions and develop a strong relationship

Education :

MBA + Engineering from from top tier universities

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