Senior Decision Scientist, Decision Sciences

Amazon; Pune District; On-site; INR 1,500,000 - 2,300,000; Full time

Job summary

Axio Digital Pvt Ltd - S84 is seeking a data scientist to design, build and deploy ML models for credit risk, income estimation, fraud detection, and portfolio optimization.

You will work with credit bureau data, transactional data and behavioral signals to influence lending decisions and customer outcomes, while mentoring juniors and presenting insights to senior leadership.

Qualifications

• 5+ years of data scientist experience.
• 5+ years of SQL and Python or similar tools.
• Master's degree in STEM or equivalent experience.
• Experience applying theoretical models in practice.
• Knowledge of machine learning concepts and their application.

Responsibilities

• Understand lending business and data used to inform decisions.
• Interact with risk, product and collection teams to define challenges.
• Design and implement ML solutions for credit lifecycle stages.
• Build model validation, monitoring and governance aligned to regs.
• Deploy ML solutions in production with sub-second latency.
• Develop new modeling techniques for innovative lending products.
• Lead end-to-end data pipelines from ideation to production.
• Improve performance and accuracy of existing ML models.
• Derive insights from large diverse datasets.
• Mentor junior data scientists and present findings to leadership.

Skills

SQL

Python

ML concepts

Data analysis

Communication

Education

Master's degree in STEM

Tools

AWS S3

AWS Redshift

AWS SageMaker

Spark

Hadoop

Hive

EC2

Job description

We are seeking a talented and motivated Data Scientist to join our 1P Lending team. In this role, you will design, build, and deploy machine learning models and analytical frameworks that drive credit risk assessment, income estimation, fraud detection, and portfolio optimization. You will work with credit bureau data, transactional data, and alternative behavioral signals to create models that directly impact lending decisions and customer outcomes.

We are seeking a talented and motivated Data Scientist to join our 1P Lending team. In this role, you will design, build, and deploy machine learning models and analytical frameworks that drive credit risk assessment, income estimation, fraud detection, and portfolio optimization. You will work with credit bureau data, transactional data, and alternative behavioral signals to create models that directly impact lending decisions and customer outcomes.

Key job responsibilities

• Understand lending business, products, data consumed to make decisions, regulatory context, and practice of Data Science related to this field.
• Closely Interact with risk, product and collection team to understand the business challenges.
• Define, Design and Implement complex ML solutions for various credit lifecycle stages like credit risk scoring, income prediction, collection optimisation, sales optimisation, fraud detection etc.
• Create robust model validation, monitoring, and governance solutions in compliance with regulatory requirements.
• Help the Decision-Engine team to deploy the ML solutions in production with sub-second latency.
• Develop new modeling techniques and analytical frameworks for innovative lending products within the regulatory landscape.
• Drive end-to-end delivery of scalable data pipelines from ideation to production deployment.
• Optimize performance and accuracy of existing ML solutions.
• Derive actionable insights from massive and diverse datasets.
• Lead analytical design and implementation for new global market geographies.
• Mentor junior team members in data science best practices.
• Present findings and recommendations to senior leadership with clear, data-backed conclusions.

About The Team

As Decision Sciences team supporting 1p lending, we use Data Science, Machine Learning, and advanced analytics on massive datasets to power credit decisioning, risk management, and customer experience optimization.

We operate at the intersection of ML, Fintech and E-commerce, working on cloud scale ML infrastructure. If explainable GenAI, Probabilistic Graph Models, DNNs and Monte Carlo Simulations excite you, then we are the right team for you.

Basic Qualifications

• 5+ years of data scientist experience
• 5+ years of data querying languages (e.g. SQL), scripting languages (e.g. Python) or statistical/mathematical software (e.g. R, SAS, Matlab, etc.) experience
• Master's degree in Science, Technology, Engineering, or Mathematics (STEM), or experience working in Science, Technology, Engineering, or Mathematics (STEM)
• Experience applying theoretical models in an applied environment
• Knowledge of machine learning concepts and their application to reasoning and problem-solving

Preferred Qualifications

• Experience with AWS services including S3, Redshift, Sagemaker, EMR, Kinesis, Lambda, and EC2
• Experience with clustered data processing (e.g., Hadoop, Spark, Map-reduce, and Hive)
• Experience applying quantitative analysis to solve business problems and making data-driven business decisions
• Experience working on multi-team, cross-disciplinary projects
• Experience in defining and creating benchmarks for assessing GenAI model performance
• Experience effectively communicating complex concepts through written and verbal communication

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Company

- Axio Digital Pvt Ltd - S84

Job ID: A10506445