Data Scientist - Credit Risk 1

PayU Payments; Gurugram District; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

PayU Payments is seeking a Data Scientist - Credit Risk to lead ML-driven risk models across lending, fraud, and collections in India. You’ll work from multiple hubs (Gurgaon, Mumbai, Bengaluru) with cross-functional teams to design, implement and monitor solutions using large-scale transaction data.

The role requires 5+ years in data science with strong Python/SQL skills, experience in credit risk scorecards, and familiarity with cloud platforms like AWS.

Qualifications

• Degree in statistics, CS or mathematics from a premier institute.
• Led data science projects with 5+ years of relevant experience, preferably credit risk/fraud/lending lifecycle.
• Strong stakeholder management skills and ability to work with cross-functional teams.

Responsibilities

• Lead and execute data science projects for risk, fraud, and lending use cases.
• Collaborate with internal teams and external partners from POC to deployment.
• Work with cutting-edge technologies to deliver scalable ML solutions.

Skills

Data Science

Python

SQL

PySpark

AutoML

Stakeholder management

Education

Bachelor's degree in Statistics/Computer Science/Mathematics

Tools

AWS

Job description

Job Description

Role: Data Scientist - Credit Risk

Location: Gurgaon/Mumbai/Bangalore

About the team: Our data science team develops ML based data products or solutions to improve lending, Fraud, collections, Insurance and Investment products based on hundreds of millions of transactions in India. This role is with the PayU Innovations Data Science team with specific focus on Digital Insights from PayU Payments data for various use cases. PayU Payments data has emerged as a powerful source of information. Example use cases are: 1. Building an Underwriting model for NTC population for a banking partner 2. Building affluence scorecard for customer segmentation for marketing campaigns 3. Building ML models for risk, fraud, collections, Income estimation, etc. 4. Using GraphML to detect fraud and anamolies Joining our data science team offers you the chance to make a difference for millions of people and businesses in a rapidly growing market. Advances in AI are changing the conditions to build a successful financial business. They also underpin the growth of virtually every fintech business in the world. Therefore, PayU Innovations is building out its AI capabilities and will continue to do so in the coming years. You will be able to help shape the AI efforts in India.

Excited yet? Continue reading to find out more about the role:

What you’ll be doing:

• Lead and execute Data Science projects for building best-in-class models/solutions for various use cases across the BFSI Industry
• Work with various external partners starting from POC discussions till execution and with internal partners (e.g. Business teams, technology and platform teams) to understand, design and implement the best solutions.
• Opportunity to work on exceptional projects using cutting edge technology

What are we looking for?

• A degree in Statistics, Computer Science, Mathematics or other similar quantitative field from a premier institute.
• Should have led Data Science projects and have at least 5 years of work experience as a Data scientist, preferably worked on credit risk scorecards, collections, fraud or other lending lifecycle use-cases
• Excellent stakeholder management skills – internal and external
• Detail oriented with strong organizational skills. Ability to function in a high-volume setting with tight deadlines
• Good experience in building machine learning models and should have experience in the following languages – Python, SQL. Familiar with cloud computing platforms like AWS, etc.
• Having experience in Pyspark and AutoML is a plus
• The incumbent must be a high-energy individual with a go-getter instinct and positive attitude.
• Should be a great teammate who promotes knowledge-sharing

What we offer (Standard)

• A positive, get-things-done workplace
• A dynamic, constantly evolving space (change is par for the course – important you are comfortable with this)
• An inclusive environment that ensures we listen to a diverse range of voices when making decisions.
• Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scale
• Access to 5000+ training courses accessible anytime/anywhere to support your growth and development (Corporate with top learning partners like Harvard, Coursera, Udacity)

About us: (Standard)

At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high growth markets the financial services and products they need to thrive. Our expertise in 18+ high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs to offering credit to underserved individuals, to helping merchants buy, sell, and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact.

Find out more at www.payu.com

Our Commitment to Building A Diverse and Inclusive Workforce

As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive, and safe environment, for all our people, communities, and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility, and unbiased attention to every PayUneer so they can succeed, irrespective of gender, color, or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities, or the LGBTQ communities.