AM/ Manager - Risk & Decision Science

B Capital; Bengaluru; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

B Capital is seeking a candidate to drive automated decision-making and develop a comprehensive 6 Month Risk roadmap in Bengaluru, India. With 3-6 years of experience in Fin-Tech, particularly in Digital Unsecured Lending, the candidate will own end-to-end ML model development and refine credit policies. They should have solid Python expertise and be adept at conveying insights to leadership. The role offers opportunities for growth into leadership while working on fascinating projects in the risk and data science domain.

Qualifications

• 3-6 years of relevant Fin-Tech experience, preferably in Digital Unsecured Lending.
• Strong RCA skills and excellent critical thinking skills.
• Working knowledge of GCP, Vertex AI for deployment.

Responsibilities

• Own automated decisioning process and outcomes.
• Create 6 Month Risk roadmap.
• Refine and create new credit policies.

Skills

RCA skills

Critical thinking skills

Python

GCP

Knowledge of credit bureau data

Expert in PD, EAD, LGD modeling

Tools

Vertex AI

Cloud functions

Job description

What you will do

• Over the longer horizon, as the program scales you are expected to do the following:
• Owning an automated decisioning process and its outcome.
• Creating 6 Month Risk roadmap
• Refine the Credit policies and create new policies to lend in unexplored segments.
• Own end to end ML model development methodology : Feature creation, Model design and development, tuning, validating, monitoring and calibrating
• Coding up and maintaining BRE , automating credit policies as well as underwriting decisions if need be
• Independently drive and conceptualize projects on Risk and Data science.
• Initially an IC role but expected to guide and manage a team of analysts and grow into leadership role.

What you will need

• 3-6 years of relevant Fin-Tech experience, preferably in Digital Unsecured Lending, with products like BNPL, PL or consumer loan.
• Strong RCA skills along with excellent critical thinking skills, combined with the ability to present your beliefs clearly and compellingly, both verbally and in written form to leadership.
• Working knowledge of GCP, Vertex AI and cloud function for deployment.
• Solid understanding of credit bureau data (CIBIL, Equifax, CRIF), and banking risk frameworks.
• Expert in PD, EAD , LGD modeling in Python environment.
• Can identify use cases of AI to drive productivity internally in the team and in the decisioning process.