Senior Credit Risk Modeler for Car Ownership Transformation

1 week ago

Gurgaon, Haryana, India CARS24 Full time
Unlock the Future of Car Ownership

CARS24 Financial Services is revolutionizing the car ownership journey, and we're looking for a seasoned Senior Credit Risk Modeler to join our team. As a member of our Risk Models Data Science team, you will play a pivotal role in developing and managing credit risk models that drive business growth.

About Us

We are one of the largest Autotech companies in the world, with a mission to make car ownership stress-free. Our Super App brings together all car needs, powered by technology, data science, and customer insights. We're growing rapidly, aiming to grow 10x in the next five years, and we need talented professionals like you to help us achieve this vision.

The Role

Your primary responsibility will be to develop, evaluate, validate, monitor, and implement credit risk models using traditional logistic regression and machine learning techniques. You will own the models, ensuring they meet industry best practices, and serve as the single point of contact (SPOC) for the Risk Management team.

Key Responsibilities:
  • Develop credit risk models using traditional logistic regression and machine learning techniques
  • Evaluate and monitor internal and external credit models, computing standard metrics
  • Document model development activities for review by Risk Management
  • Challenging existing procedures to bring efficiency to the model development process
  • Prepare project presentations for senior management review
  • Evaluate business problems across credit functions and propose model-based solutions
  • Mentor junior team members on day-to-day activities
Requirements:
  • Masters/Bachelors degree in Mathematics/Statistics, Operations Research, Economics, Computer Science/Engineering
  • 5+ years of analytical experience in scorecard development, ML modeling, segmentation, and clustering
  • Minimum 2 years' experience in Consumer Credit
  • 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
  • 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.
Compensation and Benefits:

We offer an attractive compensation package, estimated to be around $120,000 per year, depending on your experience and qualifications. Additionally, you'll enjoy a range of benefits, including opportunities for professional growth and development, flexible work arrangements, and a dynamic work environment.

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