Data Scientist (Digital Banking)

Hdfc Bank; Mumbai; On-site; INR 1,500,000 - 3,500,000; Full time

Job summary

HDFC Bank in Mumbai is seeking a Data Scientist with 5–13 years of experience to design, develop, and deploy advanced Gen AI and ML models for digital transformation, customer experience, and risk mitigation.

You will collaborate with cross-functional teams to analyze data, build scalable AI solutions, and ensure regulatory compliance in a fast‑moving environment.

Qualifications

• Gen AI and ML expertise with hands-on data analysis and modeling experience.
• Experience with statistical techniques or ML methods for real-world problems.
• Ability to work in a dynamic, detail‑oriented environment and communicate findings clearly.

Responsibilities

• Generative AI model development: develop and fine-tune Gen AI models to drive process improvements.
• Solution deployment and integration: collaborate with engineering to deploy ML and Gen AI solutions in production with scalability and governance.
• Research and innovation: stay updated on AI/ML trends and their BFSI applications, including Explainable and Ethical AI.
• Ensure AI solutions comply with banking regulations, including data privacy and model governance.
• Build tools for stress testing, scenario analysis, and regulatory reporting.

Skills

Generative AI

Machine Learning

Data analysis

Job description

Job Role - Data Scientist

Location - Mumbai (Lower Parel)

Work Mode - 5 Days (WFO)

Experience - 5 -13 Years

Job Purpose

The Digital Experience Analytics team is looking for skilled and motivated data scientists specializing in Generative AI and Machine Learning.

The Data Scientist will design, develop and deploy advanced AI models to drive digital transformation, enhance customer experience, optimize operations and mitigate risks. This role requires a sound understanding of AI/ML techniques and their application to challenges such as customer engagement and process automation.

The successful candidate will be an analytical problem solver, with a blend of technology understanding and business acumen. They should have hands-on experience with data analysis and model development using statistical techniques or machine learning methods. He/She should demonstrate a bias for action, have strong attention to detail, be vocally self-critical and capable of working in an ever-changing environment.

Job Responsibilities:

1. Generative AI Model Development: Develop and fine-tune Gen AI models (eg GANs, VAEs or transformer-based models) to implement process and system improvement opportunities.

2. Solution Deployment and Integration: Work with Engineering teams to deploy ML & Gen AI solutions into production environments, planning for scalability, reliability and regulatory compliance.

3. Research & Innovation: Stay updated on emerging AI/ML technologies and application in BFSI sector, including Explainable AI & Ethical AI.

4. Ensure AI solutions comply with banking regulations, including data privacy and model governance requirements.

5. Build tools for stress testing, scenario analysis and regulatory reporting.

Collaboration & Stakeholder Communication: Work closely with business units, technology units and customer facing channels to understand banking-specific challenges, use-cases and deliver effective solutions. Present technical solutions in a clear, actionable format to diverse stakeholders.