Senior Manager

Talent Hired-the Job Store; Gurugram District; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Talent Hired-the Job Store is seeking a data science professional to develop collection scorecards and transaction-level models for credit risk and fraud decisioning. You will oversee segmentation, model deployment, and continuous improvement of risk scoring across portfolios.

The role emphasizes building self-cure and acquisition scorecards, with delivery of reliable, scalable models and adherence to governance across systems.

Qualifications

• Masters degree is required.
• Strong analytical and problem-solving skills.
• Experience with big data and analytics tools is preferred.

Responsibilities

• Develop customized collection scorecards for each delinquency stage.
• Develop self-cure models for customized collection interventions & cost control.
• Develop micro-segments for effective portfolio interventions & to maintain acquisition quality.
• Develop transaction-level scorecards as input to the authorization strategy and cross-sell qualification.
• Develop application fraud prevention scorecard.
• Develop propensity models for offering hardship programs.
• Develop customized acquisition scorecards for assigned segments.
• Develop customized behavior scorecards for each assigned segment.
• Maintain inventory of assigned models.
• Automate & ensure model deployment either in credit & fraud decision engines or turbine/data lake

Skills

Analytical ability

Problem solving

Education

Masters degree in related field

Tools

Big Data

R

Python

SAS

Hadoop

Job description

Role Purpose

To develop and maintain collection scorecards, segments for portfolio intervention, and transaction-level authorization strategies and oversee implementation of credit & fraud decision engine deployment for the organization.

Role Accountability

• Develop customized collection scorecards for each assigned delinquency stage
• Develop self-cure models for customized collection interventions & cost control
• Develop micro-segments for effective portfolio interventions & to maintain acquisition quality
• Develop transaction-level scorecards as input to the authorization strategy and cross-sell qualification
• Develop application fraud prevention scorecard
• Develop propensity models for offering hardship programs
• Develop customized acquisition scorecards for assigned segments.
• Develop customized behavior scorecards for each assigned segment.
• Maintain inventory of assigned models
• Automate & ensure model deployment either in credit & fraud decision engines or turbine/data lake

Measures of Success

• Ensure the timely development of the models as per plan
• Model efficacy in terms of consistency & reliability
• KS, Gini - Model performance metrics
• PSI - Model stability metric
• Out of time validation
• Process Adherence as per MOU

Technical Skills / Experience / Certifications

• Good knowledge of Big Data/R/Python/SaS/Hadoop

Competencies critical to the role

• Analytical ability and problem solving

Qualification

• Masters degree in related field

Preferred Industry

• FSI / Any