Growth Source Financial Technologies:

We are a full-service FinTech startup working to re-engineer the credit business in India using Technology and Data Science. Our core approach involves the development of frictionless business journeys through automation and digitizing the workflows as well as enablement of automatic decision-making through large-scale implementation of next-generation machine learning models across the entire lending value chain. We are extremely well-funded to achieve our aim of building a business that can rapidly serve the diverse funding / liquidity needs of both salaried individuals, self-employed professionals and small and medium sized enterprises by leveraging next-generation digital technology and data science capabilities.

Job Description

Key responsibilities of the data scientist would be:

- Managing a team of 10+ data scientists working on creating solutions for the large and small ticket SME lending businesses

- Work with the senior management to develop scorecards across the lending value chain from pre-acquisition, acquisition, portfolio management, collections and recoveries for both consumer and commercial lending.

- Participate in conceptualizing, developing and executing a model building framework that will enable the usage of explainable and robust machine learning techniques to enhance predictability and stability.

- These scorecards would be built by leveraging mainstream data like bureau information, application information etc. and alternate data like social media information, cash flow / transaction information etc. A key part of the job would be the creation of proprietary variables that can enhance model predictability.

- Be prepared to participate in cutting-edge research in the AI/ML space for building models that utilize both structured and unstructured data from a supervisory / non-supervisory standpoint.

- Building a powerful Business Rule Engine which codifies our approach to lending and uses machine learning to stay current all the time

- Build Real-time business performance dashboards to ensure that we can measure and monitor risks in real time to the business

Key Success Criteria

- Overall work experience between 6-12 years with an experience of at least 3 years in the lending industry

- Experience of managing a small team of 3-4 people

- Proficiency in programming languages like R, Python, SQL and VBA.

- Expertise in utilizing various machine learning algorithms with a focus on practical implementation.

- Flexibility to work across the value chain from data pulling, data analysis, variable creation, model building, validation and implementation.

- Open and curious mindset with a focus on continuous self-improvement

- Logical thinker who is focuses on the solution as opposed to the modelling technique

What's on Offer:

- Immense growth and learning opportunity

- Fun-filled, flexible and meritocratic work environment

- Market leading compensation package

Location - Bandra Kurla Complex (Mumbai)

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