Data Scientist

**Role**: Data Scientist - Credit Risk
**Location**: Gurgaon/Mumbai/Bangalore
**About the team**:
Our data science team develops ML based data products or solutions to improve lending,
Fraud, collections, Insurance and Investment products based on hundreds of millions of
transactions in India. This role is with the PayU Innovations Data Science team with specific
focus on Digital Insights from PayU Payments data for various use cases. PayU Payments
data has emerged as a powerful source of information. Example use cases are:
1. Building an Underwriting model for NTC population for a banking partner
2. Building affluence scorecard for customer segmentation for marketing campaigns
3. Building ML models for risk, fraud, collections, Income estimation, etc.
4. Using GraphML to detect fraud and anamolies
Joining our data science team offers you the chance to make a difference for millions of people and
businesses in a rapidly growing market. Advances in AI are changing the conditions to build a successful
financial business. They also underpin the growth of virtually every fintech business in the world.
Therefore, PayU Innovations is building out its AI capabilities and will continue to do so in the coming
years. You will be able to help shape the AI efforts in India.
**Excited yet? Continue reading to find out more about the role**:
**What you’ll be doing**:

- Lead and execute Data Science projects for building best-in-class models/solutions for various

use cases across the BFSI Industry
- Work with various external partners starting from POC discussions till execution and with

internal partners (e.g. Business teams, technology and platform teams) to understand, design
and implement the best solutions.
- Opportunity to work on exceptional projects using cutting edge technology

What are we looking for?
- A degree in Statistics, Computer Science, Mathematics or other similar quantitative field from a

premier institute.
- Should have led Data Science projects and have at least 5 years of work experience as a Data

scientist, preferably worked on credit risk scorecards, collections, fraud or other lending
lifecycle use-cases
- Excellent stakeholder management skills - internal and external
- Detail oriented with strong organizational skills. Ability to function in a high-volume setting

with tight deadlines
- Good experience in building machine learning models and should have experience in the

following languages - Python, SQL. Familiar with cloud computing platforms like AWS, etc.
- Having experience in Pyspark and AutoML is a plus
- The incumbent must be a high-energy individual with a go-getter instinct and positive attitude.
- Should be a great teammate who promotes knowledge-sharing

What we offer (Standard)
A positive, get-things-done workplace
A dynamic, constantly evolving space (change is par for the course - important you
are comfortable with this)
An inclusive environment that ensures we listen to a diverse range of voices when
making decisions.
Ability to learn cutting edge concepts and innovation in an agile start-up
environment with a global scale
Access to 5000+ training courses accessible anytime/anywhere to support your
growth and development (Corporate with top learning partners like Harvard,
Coursera, Udacity)
**5. About us**: (Standard)
At PayU, we are a global fintech investor and our vision is to build a world without financial borders where
everyone can prosper. We give people in high growth markets the financial services and products they
need to thrive. Our expertise in 18+ high-growth markets enables us to extend the reach of financial
services. This drives everything we do, from investing in technology entrepreneurs to offering credit to
underserved individuals, to helping merchants buy, sell, and operate online. Being part of Prosus, one of
the largest technology investors in the world, gives us the presence and expertise to make a real impact.
Our Commitment to Building A Diverse and Inclusive Workforce
As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that
our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to
create a diverse, inclusive, and safe environment, for all our people, communities, and customers. Our
leaders are committed to create an inclusive work culture which enables transparency, flexibility, and
unbiased attention to every PayUneer so they can succeed, irrespective of gender, color, or personal faith.
An environment where every person feels they belong, that they are listened to, and where they are
empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific
race, ethnicity, or of persons with disabilities, or the LGBTQ communities.