Lead Data Scientist

1 month ago

Noida, Uttar Pradesh, India Biz2X Full time
Lead Data Scientist

We are seeking a highly skilled Lead Data Scientist to join our team at Biz2X in Noida. As a key member of our credit risk management team, you will be responsible for building and implementing advanced credit risk models, driving underwriting and credit decisions, and ensuring optimization across risk, pricing, and business growth.

Key Responsibilities:
  • Credit Decisioning: Leverage or build advanced credit risk models (functional rule-based / heuristics and machine learning models) and lead critical credit decisions.
  • Team Collaboration: Provide effective credit oversight to colleagues leading our credit teams.
  • Risk Strategy Development: Develop, implement, and monitor risk strategies across credit underwriting, limit assessment, pricing, and collections.
  • Policy Development: Assist in drafting a detailed risk policy for the business loan business and closely monitor the adherence of the same.
  • Data Utilization: Work extensively with Credit Bureau, Bank statement, financial data. Identify and evaluate alternate data features to explore credit expansion opportunities.
  • Team Development: Coach and mentor younger team members to create a world-class credit team both in functional credit analysis and machine learning-based models.
  • Reporting and Monitoring Systems: Drive robust monitoring and alerting systems for early warning signals of delinquencies in the portfolio, ensuring agility in decision-making. Perform Root cause analysis and present those to stakeholders in a timely fashion.
  • Underwriting: End-to-end underwriting analysis of core business including risk selection, primarily simple costing, contracts review and structuring; incorporating and improving relevant technology to make informed decisions Grow the core business by developing opportunities in the portfolio in collaboration with relevant specialists.
  • Regulatory Compliance: Ensure that all risk models and pricing strategies comply with relevant regulations and industry standards. Stay updated on regulatory changes and adjust strategies.

You should have:

  • Strong hands-on experience and expertise in building Machine Learning based underwriting statistical models.
  • Deep domain / functional knowledge in credit underwriting / credit analysis.
  • Proven experience in underwriting risk management in the fin-tech or financial services industry, with a focus on credit risk.
  • Strong knowledge of fin-tech products, unsecured lending products, services, and technologies, as well as the regulatory landscape governing the industry.
  • Experience in Product and Credit Policy formulation, Collections and Recovery, Fraud and Operational Risks.
  • Exceptional analytical and problem-solving skills, with the ability to assess complex situations and make sound decisions.
  • Strong leadership capabilities with the ability to build and lead a high-performing risk management team.
  • Excellent Analytical and Data Science capabilities.

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