Sr Data Scientist

ABC - Aditya Birla Housing Finance Limited; Maharashtra; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking an Analytics Manager to build analytical models using machine learning and to create visualization dashboards with Power BI. You will deliver regular analyses and insights to drive predictive decisions across lending portfolios.

The role requires strong SQL/Python skills, experience with ML libraries, and the ability to collaborate with stakeholders to translate business questions into actionable analytics, reports, and recommendations.

Qualifications

• Understanding of Business Analytics tools and techniques like Machine Learning, Statistics etc.
• Hands-on experience designing, developing visually appealing and easy-to-use dashboards using Power BI
• Hands-on experience with Python libraries for data science: NumPy, Pandas, Matplotlib, Seaborn, Scikit-Learn, TensorFlow
• Hands-on experience with MySQL and working with databases
• 4–5 years of experience in Home Loans, Retail Lending products or related industry
• Educational qualification: Graduate preferably in Statistics/Mathematics, Analytics, Computer Science or related fields

Responsibilities

• KRA1 Data Visualization: Create automated data visualization reports for use cases like monitoring daily portfolio movement, customer churn, product portfolio health, collection for leadership team
• KRA2 Predictive Analytics: Build predictive models for use cases like collection efficiency, delinquency, bounce rates, customer churn, ECL provisioning, NPA, customer segmentation, campaigns, customer behavior
• KRA3 Prescriptive Analytics: Prescriptive analytics for decision making under constraints (recovery strategy, cost-benefit analysis of projects, budget)
• KRA4 Automated Reports: Automated activity trackers / business dashboards for functions like Sales, Risk, Finance, HR Operations

Skills

Machine Learning

Statistics

Power BI

Python

NumPy

Pandas

Matplotlib

Seaborn

Scikit-Learn

TensorFlow

MySQL

Home Loans

Dashboard Design

Education

Graduate in Statistics/Math/Analytics/CS

Job description

Job Purpose

Analytics Manager will assist in building Analytical models using Machine learning to help drive predictive business decisions. Role will assist in creating Visualization Dashboards using BI Tool

Job Purpose

Analytics Manager will assist in building Analytical models using Machine learning to help drive predictive business decisions. Role will assist in creating Visualization Dashboards using BI Tool

And deliver regular analysis using appropriate Analytics model

Job Context & Major Challenges

Job Context/Job Challenges

Job Context

ABHFL has expanded in Emerging, and Tier I market across country given the volume of Leads, Login which have inflow we would need Analytics to identify which cases to pick and process that will reduce overall waste and Increase approval and decision rates and make system more efficient. Given the sourcing from different customer segments and category like Prime, Affordable, and Informal segment through various channels like DSA, Referral, Builders, the pricing strategy would have to be analytics driven for better conversion among different segments. Also, the collection strategy must be analytics driven which will help predict NPA, delinquency basis customer behaviours and sourcing parameters. In P&L there are cost parameters like ECL Provisioning whose impact to P&L is huge and hence these parameters need to be predicted and optimised thereby increasing overall profitability.

Key Challenges

• Ability to work with stakeholders across all level understand business objectives and make sure any analysis or finding are aligned to those business objectives
• Deliver Complex and regular ad-hoc analysis using appropriate Analytics model
• Identify problem statement and render tangible solutioning specifically from optimisation of process, product, Sales Optimisation, commercials, underwriting method

Enabling Skill Sets & Qualifications

• Understanding of Business Analytics Tool and techniques like Machine Learning, Statistics etc.
• Hands on Experience in designing, developing visually appealing and easy to Use Dashboards using Power BI
• Hands-on experience with Python language knowledge of libraries for Data science like NumPy, Pandas, Matplotlib, Sea-burn, Scikit-Learn, Tensor Flow
• Hands on Experience in MySQL and knowledge of working with databases
• Experience of 4-5 years in Home Loans, Retail Lending products or related industry.
• Educational Qualification Graduate preferably in Statistics/Mathematics, Analytics, Computer Science or related fields

Key Result Areas

KRA (Accountabilities) (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

• KRA1 Data Visualization Create Automated Data Visualization reports for use cases like Monitoring Daily Portfolio Movement, Customer Churn, Product Portfolio health, Collection etc. for leadership team
• KRA2 Predictive Analytics Build Predictive Models for use cases like collection efficiency, delinquency, Bounce Rates, Customer Churn, ECL Provisioning, NPA, Customer Segmentation, Campaigns, Customer Behavior etc.
• KRA3 Prescriptive Analytics Prescriptive Analytics for Decision Making under constraints use cases like Recovery Strategy, Cost Benefit Analysis of projects, Budget etc.
• KRA4 Automated Reports Automated Activity Trackers / Business Dashboards for various functions like Sales, Risk, Finance, HR Operations etc.