Sr Data Scientist

ABC - Aditya Birla Housing Finance Limited; Maharashtra; On-site; INR 900,000 - 1,500,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited in Maharashtra is seeking an Analytics Manager to build analytical models using machine learning and to create visualization dashboards with BI tools. The role involves delivering regular analyses through suitable analytics models.

The candidate will work with stakeholders across levels to align analyses with business objectives, develop predictive and prescriptive analytics, and optimize processes in home loan and retail lending operations.

Qualifications

• Understanding of Business Analytics Tools and techniques like Machine Learning, Statistics.
• Hands-on experience in designing, developing visually appealing and easy to use dashboards using BI tools (Power BI).
• Hands-on experience with Python and data science libraries (NumPy, Pandas, Matplotlib, seaborn, scikit-learn, TensorFlow).
• Hands-on experience in MySQL and working with databases.

Responsibilities

• KRA1 Data Visualization: Create automated data visualization reports for monitoring portfolio movement, churn, product health, collections.
• KRA2 Predictive Analytics: Build Predictive Models for collection efficiency, delinquency, churn, ECL provisioning, NPA, customer segmentation.
• KRA3 Prescriptive Analytics: Provide decision-support through cost-benefit analyses and budgeting.
• KRA4 Automated Reports: Develop automated activity trackers and dashboards for Sales, Risk, Finance, HR.

Skills

Machine Learning

Statistics

Power BI

Python

MySQL

Home Loans domain

Education

Graduate in Statistics/Mathematics/Analytics/CS

Tools

Power BI

TensorFlow

MySQL

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

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.