Yabx | Senior Data Scientist | gurugram

3 weeks ago

gurugram, India Yabx Full time

Job Description for Principal/Sr Data Scientist

  • The finance industry has ignored billions of deserving individuals. We are a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs.

  • This role is responsible for development, monitoring and driving continuous enhancements to create best in Class models/algorithms to assess risk, churn and uptake across the customer life cycle

What we look for:

Expertise in Big Data/ML: Should be able to build cutting edge credit/churn/usage models using advanced algorithms in a Big data/Machine Learning environment. Should have hands on experience and track record of delivering projects in individual capacity.

  • Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements.

  • Willingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.


Job Responsibilities:

  • Own the end-to-end delivery of models/algorithms across customer life cycle; Develop innovative credit risk / churn / usage models using mobile wallet transaction data, Call data, Telecom usage data, customer bureau data etc
  • Partner with the Data Engineering team to define the required data pipelines to build and enhance the feature bank (foundational capability) to build/deploy the various ML algorithms both for batch and real time use cases
  • Collaborate with credit policy/portfolio mgmt. team to drive P&L outcomes.
  • Building reports for model monitoring and drive enhancements

Required Qualifications & Skills:

  • Solid expertise in end-to-end risk model lifecycle management (develop, deploy, monitor)
  • Previous hands on in credit, fraud, churn model development and deployment
  • Previous experience in PD/EAD/LGD model development/validation
  • Experience in CSI/PSI model monitoring process
  • Hands on experience in data extraction using SQL/Pyspark SQL; data cleaning, feature creation and building models using Py Spark/Python on Spark; Scale will be a plus.
  • Previous exposure to below algorithms (preferably multiple):
  • Logistic Regression
  • Random forest
  • XGBOOST
  • Markov Chain
  • PSI/CSI for model monitoring
  • Strategy performance tracking and swap in / swap out analysis
  • Strong entrepreneurial drive
  • Good to have:
  • Good business understanding of the fintech/consumer finance space
  • Experience in working with credit card / personal lending space, esp fintech
  • hands on experience in working with Telecom data

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