Responsibilities

• Lead development and validation of internal risk models including PD, approval optimisation, propensity/conversion models, and internal scorecards
• Build scalable modelling datasets using bureau data, application, repayment, and alternate data signals such as device metadata, user journey behaviour, and digital footprints
• Guide modelling approach: sampling, feature engineering, ML/statistical techniques.
• Partner with Product, Engineering, and Analytics teams to integrate models into production decisioning systems.
• Build model documentation such as BRDs, methodology notes, validation reports, and monitoring dashboards.
• Mentor junior data team members and guide analytical best practices.
• 5–10 years of experience in credit risk model development and validation with experience in personal loans, consumer lending portfolios, or unsecured credit.
• Proficiency in Python, SQL, and ML/statistical modelling techniques.
• Hands-on experience with bureau data and alternate data sources.
• Strong analytical and problem-solving skills.

Qualifications

• Master’s degree in Statistics, Mathematics, or related field.
• Experience in multi-lender decisioning or credit marketplaces.
• Location Mumbai only
• 5-9 Years of experience