Senior Data Scientist

Comviva; Gurugram District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Comviva in Gurugram seeks a skilled professional to manage the entire risk model lifecycle, including developing and deploying innovative credit risk models. You'll leverage advanced Machine Learning algorithms for data-driven decisions, collaborating closely with the Data Engineering team.

The role demands expertise in SQL and PySpark, along with hands-on experience in credit, fraud, and churn model development. We're looking for a driven individual comfortable with taking calculated risks and tackling ambiguity in a fast-paced environment.

Qualifications

• Expertise in Big Data and ML, building credit and churn models.
• Strong SQL and PySpark skills for data extraction and processing.
• Hands-on experience with credit model development and deployment.

Responsibilities

• Manage end-to-end risk model lifecycle.
• Collaborate with engineering for data pipelines.
• Build reports for model monitoring and enhancements.

Skills

Big Data expertise

Machine Learning

SQL

PySpark

Data cleaning and feature engineering

Model building

Logistic Regression

Random Forest

XGBoost

Job description

Key Accountabilities

• End-to-end risk model lifecycle management — develop, deploy, monitor.
• Data extraction using SQL / PySpark SQL; data cleaning and feature engineering.
• Model building using PySpark / Python on Spark
• Proficiency in Logistic Regression, Random Forest, XGBoost, Markov Chain
• Strategy performance tracking and swap-in / swap-out analysis
• Develop innovative credit risk / churn / usage models using mobile wallet transaction data, Call data, Telecom usage data, customer bureau data etc.
• Partner with the Data Engineering team to define the required data pipelines to build and enhance the feature bank (foundational capability) to build/deploy the various ML algorithms both for batch and real time use cases -
• Collaborate with credit policy/portfolio mgmt. team to drive P&L outcomes.
• Building reports for model monitoring and drive enhancements

Mandatory Skills

• Expertise in Big Data/ML: Build cutting-edge credit, churn, and usage models using advanced Machine Learning algorithms in a Big Data environment.
• Should have hands on experience and track record of delivering projects in individual capacity.
• Should be Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles.
• There needs to be an obsession with collecting and analysing data to drive business iterations and improvements
• Willingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.
• Hands-on experience in credit, fraud, and churn model development & deployment
• PD / EAD / LGD model development and validation
• CSI / PSI model monitoring process experience
• Track record of delivering projects independently
• Hands on experience in data extraction using SQL/Pyspark SQL; data cleaning, feature creation and building models using Py Spark/Python on Spark
• Strong entrepreneurial drive; ability to handle ambiguity and take calculated risks

Desirable Skills

• Business understanding of the fintech / consumer finance space
• Experience in credit card or personal lending, especially in fintech
• Hands‑on experience working with Telecom data