Data Scientist

Creditmantri Finserve

Chennai District

On-site

INR 1,200,000 - 1,900,000

Full time

14 days+

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Benefits offered by this job

High ownership

Cross-functional exposure

Real-world impact

Job summary

CreditMantri Finserve is seeking a high-impact Data Scientist to own problems end-to-end at the intersection of data, business, and decision-making in a fast-paced lending environment.

CreditMantri helps consumers and small businesses improve their credit health and scores. The role involves building, validating, and deploying models for risk, growth and user behavior, analyzing large datasets, and driving data-backed decisions within Chennai-based teams.

Qualifications

Proficiency in Python (Pandas, NumPy, Scikit-learn) and SQL.
Strong statistics, machine learning, and data modeling fundamentals.
Experience working with large, messy real-world datasets.
Ability to translate business problems into analytical frameworks.
Comfort with end-to-end ownership and cross-functional collaboration.

Responsibilities

Translate ambiguous business problems into structured analytical frameworks and measurable outcomes.
Build, validate, and deploy machine learning models for risk, growth, collections and user behavior.
Analyze large-scale datasets to identify drivers of key metrics and uncover actionable insights.
Design experiments, evaluate impact, and iterate based on results.
Work closely with product, business, and risk teams to drive data-backed decisions.
Ensure solutions are scalable, interpretable, and aligned with business objectives.

Skills

Python

SQL

Statistics & ML

Data modeling

Tools

Pandas

NumPy

Scikit-learn

Job description

Role Overview

We are looking for a high-impact Data Scientist who can operate at the intersection of data, business, and decision-making. This role is not limited to building models. One is expected to own problems end-to-end, drive insights, and influence business outcomes in a fast-paced lending environment.

CreditMantri helps consumers and small businesses improve their Credit Health & Credit Scores. In India, usually, over 80% of loan applications are rejected by the lender. Credit Mantris aim is to help this underserved consumer understand the reasons for loan rejection, take charge of their credit health and get access to better credit products & services. The platform helps these Credit Invisible consumer segments to take charge of their credit health and take better borrowing decisions.

CreditMantri is a profitable Fintech headquartered in Chennai, founded and run by a team with extensive experience in world-class financial services organizations. We are a Fintech intermediary with a Direct to Consumer platform with a registered user base of over 20 Mn consumers on the Demand side. We work with 60 plus lenders on the Supply side. Lenders on the platform include PSU Banks, Private & Foreign Banks, NBFCs, Fintech lenders and P2P lenders. We have been a market leader and innovator in this space and amongst many things take the credit for being the first to launch the concept of a Free Credit Score in the country.

Key Responsibilities

Translate ambiguous business problems into structured analytical frameworks and measurable outcomes
Build, validate, and deploy machine learning models for risk, growth, collections and user behavior
Analyze large-scale datasets to identify drivers of key metrics and uncover actionable insights
Design experiments, evaluate impact, and iterate based on results
Work closely with product, business, and risk teams to drive data-backed decisions
Ensure solutions are scalable, interpretable, and aligned with business objectives

What We are Looking For

Core Skills

Strong proficiency in Python (Pandas, NumPy, Scikit-learn) and SQL
Solid understanding of statistics, machine learning, and data modeling
Experience working with large, messy, real-world datasets

Mindset & Approach

High ownership: ability to take a problem from ambiguity analysis solution impact
Strong business intuition: understands what matters and prioritizes accordingly
Analytical rigor with a bias for action
Comfortable challenging assumptions and asking the right questions

Good to Have

Experience in fintech / lending / credit risk
Exposure to experimentation, segmentation, or behavioral analytics
Familiarity with modern ML/LLM workflows or data products

What Success Looks Like

You consistently deliver insights and models that directly influence business decisions
You move beyond reporting to driving outcomes
You are seen as a thought partner by business and product teams

In Summary

This role focuses on using data and machine learning to solve business problems in areas like risk, growth, and collections. It requires strong skills in Python, SQL, and statistics, along with the ability to work with large datasets, build models, and generate actionable insights. The ideal candidate has high ownership, strong business understanding, and can turn analysis into real impact by collaborating with product and business teams.

Proficiency

Python & SQL: Advanced (data analysis, model building, data manipulation)
Statistics & Machine Learning: Strong (modeling, validation, interpretation)
Data Handling: Advanced (large, messy datasets)
Analytical Thinking: High (problem-solving, structuring ambiguity)
Business Understanding: Strong (risk, growth, collections insights)
Communication & Collaboration: Good (working with product & business teams)

Key Competencies

Analytical Thinking & Problem Solving Ability to break down complex, ambiguous problems
Data Interpretation Extracting meaningful insights from large datasets
Machine Learning & Modeling Building and validating predictive models
Business Acumen Understanding risk, growth, and collections dynamics
Decision-Making Driving data-backed business actions

HR email - hr@creditmantri.com

Timings 9:30 AM 6:30 PM

Working Days - Mon - Fri

The job is based in Chennai.

Lower Ground Floor, Spencer Plaza Mall, Unit No: B2, No. 769, Phase-1, Anna Salai, Chennai, Tamil Nadu 600002

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