Data Scientist( Credit Risk )

Key Skills

Java Programming, Python Programming, C++, C Programming, SQL, Cloud computing, Scala Programming, Machine learning techniques, Data science techniques, MATLAB Programming, PyTorch, TensorFlow, R Programming

Job Description

The Team

Our data science team develops ML-based solutions to improve payment and credit products based on hundreds of millions of transactions in India. This role is with the PayU India Payments 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:

• Building an Underwriting model for NTC population for a banking partner
• Building affluence scorecard for a food merchant
• Building knowledge graph-based solutions to understand Risk and behavioral Profiles of customers

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 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 at PayU in India and beyond.

The Opportunity:

• Execute Data Science projects for building best-in-class models/solutions for the Data Intelligence Practice @ PayU, specifically for Credit Risk and Consumer Analytics domains
• Developing production-ready ML based scorecards, testing & monitoring frameworks and overseeing the deployment of scorecards
• Actively seek opportunities to innovate by using non-traditional data and new modeling techniques
• Ensuring all project documentation is up to date and maintain the high levels of quality in deliverables
• Work as independent contributor mostly and as a mentor to other team members by providing guidance when required

Requirements to be successful in this role:

• A degree in Statistics, Engineering, Mathematics or other similar quantitative field 
• 3 + work experience as a Data scientist in banking/consumer lending industry or consumer behavior/marketing Analytics domain
• Hands on experience with ML/programming tools such as Python, R, and SQL
• Proficiency in some of the following statistical techniques: Logistic Regression, CART based models, SVM, Clustering/Segmentatsion, PCA, Graph Analytics etc
• Experience in end to end production level ML based solution (requirement gathering, model development, scorecard development, documentation, testing, implementation, and automation) is a must
• Understanding of credit bureaus and non-traditional data providers will be a plus
• Good business acumen with strong ability to solve business problems through data driven quantitative methodologies
• Detailed oriented, is expected to ensure highest level of quality in reports & analysis
• Experience in presenting ideas and analysis to stakeholders
• Exhibit intellectual curiosity and strive to continually learn
• Should be a great teammate who promotes knowledge-sharing

Inspired?

Are you ready to utilize your skills and expertise to build value and enrich communities across the globe? Engage with us to discuss further!