Data Scientist

**Vertical : Credit analytics and innovation** **Job Purpose** Looking for exceptional Data Scientist with a proven track record of experience in Predictive analytics. **Job Responsibilities(JR) : 6 – 8 Areas** **Actionable (4\-6\)** · Scorecard Building and Modelling · Developing analytical models to assess risk profile of a customer / identifying cross\-sell opportunities/fraud control for new and existing customers · Responsible for development and deployment of various scorecards / models for the credit risk / Retail asset products of the Bank within the specified timelines. Ensure the deployment also is line with Bank’s strategies so as to gain maximum efficiencies. · Estimate probability of default arising out of the scorecards and monitor deviation from expected default rates. · Monitor portfolio and identify pockets of opportunity for business growth and risk alerts to control NPAs. Communicate these alerts to the respective owners and follow\-up for closure · Formulating data cuts and strategies to assess credit risk for new and existing customers of the Bank. Give feedback to stakeholders to improve the usage of the models · Develop novel approaches/algorithms in Risk modeling to constantly improve the operational efficacy of current models and its impact to stake holders · To adopt the latest trends wrt fintech companies by applying the best\-in\-class financial models, risk strategies · To work on various aspects related to automation of scorecards in Analytics domain. · Explore data available within the Banks ecosystem but not used currently to meet the above stated business objectives · Innovation · Thinking, evolving and making significant changes in the processes, techniques, methods so as to save time, energy and money. · Any other assignments depending on the needs of the organization **Educational Qualifications** **Key Skills** 1\. MCA/MTech/MSc Statistics or Economics/BTech/MBA or equivalent in Computer science/Statistics or related areas with strong inclination towards machine learning algorithms is preferred · Excellent problem solving capabilities with strong fundamentals in computer science · Strong technical \& analytical skills · Hands\-on experience in data wrangling (ETL), feature engineering, building and deploying scalable machine learning algorithms · Strong written and verbal communication skills · Excellent knowledge of current trends in the field of machine learning/analytics field **Experience Required** * Experience of 5\+ years in analytics/predictive modeling/machine learning * Experience of 5\+ years in Python/R in building as well as deploying scalable analytics based models * Exposure to banking preferable **Major Stakeholders** (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) · Credit Policy · Underwriting · Process · Fraud Control · Product · Credit Bureaus · Third Party Analytics Service Providers · IT · Legal · Information Security