Senior Data Scientist

Comviva; Gurugram District; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

Comviva in Gurugram is seeking a hands-on ML/Data Scientist to build credit risk, churn, and usage models using large-scale data. The role involves data extraction with SQL/PySpark, feature engineering, and model development on Spark using Python.

You will collaborate with the Data Engineering and Credit/Portfolio teams to deploy models and monitor performance, driving actionable business outcomes in a fast-paced fintech environment.

Qualifications

• Expertise in building credit, churn, and usage models in a Big Data environment.

Responsibilities

• Data extraction, cleaning, and feature engineering using SQL and PySpark.
• Build and deploy ML models (Logistic Regression, Random Forest, XGBoost) on Spark.
• Collaborate with Data Engineering to define data pipelines and feature bank.
• Monitor model performance and develop reports for monitoring.
• Drive P&L outcomes with credit policy/portfolio teams.

Skills

Big Data/ML

SQL

PySpark

Python

Spark

Logistic Regression

Random Forest

XGBoost

Markov Chain

Model deployment

Data pipelines

P&L analysis

Tools

SQL

PySpark

Python

Spark

Job description

Key Responsibilities

• 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