Data Scientist – Lending Domain

Job Title: Data Scientist – Lending Domain

Company : Fintech

Experience: 2 to 4 years

Location: Gurgaon

Compensation: 17 to 22 LPA

Notice Period: 30 days

Job Overview:

We are seeking a skilled Data Scientist with 2-4 years of hands-on experience in the lending domain. You will be responsible for developing and enhancing risk models and data-driven solutions for our lending products. This is a key role requiring strong analytical abilities, expertise in data science, and a keen interest in driving innovation in the financial sector.

Key Responsibilities:

• Develop and implement credit risk, fraud detection, and churn models using advanced machine learning algorithms.
• Analyze large datasets from various sources such as customer transaction history, telecom data, and credit bureau reports to build predictive models.
• Collaborate with data engineering and product teams to define and enhance data pipelines for real-time and batch model deployment.
• Continuously monitor model performance and optimize algorithms to improve accuracy and efficiency.
• Work closely with the business team to derive actionable insights and improve lending strategies based on data.
• Build automated reports and dashboards to track and present model performance.

Required Skills:

• Proficiency in Machine Learning: Expertise in developing models such as Logistic Regression, Random Forest, XGBoost, etc.
• Data Handling: Strong experience in working with large datasets and data cleaning using SQL, PySpark, and Python.
• Experience in building and deploying risk models in a lending environment.
• Knowledge of model monitoring techniques such as PSI/CSI and strategy performance tracking.
• Experience in working with credit risk models across the customer life cycle, preferably in fintech or lending.

Good to Have:

• Experience in fintech, especially in personal lending or credit cards.
• Exposure to telecom data and its usage in financial modeling.