Data Scientist

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle.

The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023.

Description

The role incumbent will be responsible for providing data driven approaches towards informed decision making through data analytics, process improvement, proactive solution and passion for machine-learning and research assessments for Godrej Capital.

Key responsibilities

• Develop Machine Learning Models or analytical algorithms for effective credit risk identification, fraud indicator, collection prioritization, Customer propensity etc.
• Identify data patterns & trends and provide insights to enhance business decision making capability. Deep Dive on emerging trends for early warning and risk mitigation
• Should be working towards enhancing data systems and streamlining business processes by working closely with technology teams to align capabilities and implement and test production level systems
• Communicate findings to all stakeholders
• Lead a team of junior resources for delivery of advanced analytical tools
• Data driven approaches and alternate data discovery to identify opportunity and Optimise Credit Risk Policy

Requirements

• Years of experience - 2 to 5 years of relevant experience with prior focus in Risk Analytics

• Graduate / Post-graduate degree in Engineering /Economics/Stats/ Maths or any equivalent Quantitative area. (Engineers preferred)

• Experience in writing complex SQL queries and perform detailed data analysis

• Should be proficient in Python / R

• Use of Statistical algorithm and Machine Learning in prior job

• Prior Experience in BFSI/ Scorecard Development / Portfolio Monitoring / Policy Analytics

• Excellent Presentation skill

• Prior mentorship experience (Good to have)