Data Scientist - Python/SQL

Job Title : Data Scientist

Experience : 2 - 6 Years

Location : Chennai, Bangalore & Pune

Industry Preference : FinTech / Banking / NBFC

Job Summary :

We are looking for a highly analytical and detail-oriented Data Scientist with experience in Credit Risk Analytics and Statistical Modelling. The ideal candidate should have strong expertise in Python, SQL, Machine Learning techniques, Classification Modelling, and Advanced Analytics. Candidates must possess domain experience in FinTech, Banking, or NBFC organizations with exposure to credit risk, scorecards, and predictive modelling.

Key Responsibilities :

- Develop and deploy predictive and statistical models for credit risk assessment and business decision-making.

- Build classification models for credit scoring, fraud detection, customer segmentation, and risk analytics.

- Analyze large structured and unstructured datasets to generate actionable business insights.

- Design and implement machine learning algorithms for risk and lending use cases.

- Perform data preprocessing, feature engineering, and model validation activities.

- Work closely with business stakeholders to understand analytical requirements and convert them into scalable data science solutions.

- Create and optimize SQL queries for data extraction, transformation, and analysis.

- Monitor model performance and ensure model stability, accuracy, and governance.

- Conduct exploratory data analysis and identify trends, anomalies, and opportunities.

- Collaborate with cross-functional teams including Risk, Product, Engineering, and Business teams.

- Prepare analytical reports, dashboards, and presentations for management reviews.

- Ensure compliance with data governance, regulatory, and security standards.

Key Result Areas (KRA) :

- Delivery of accurate and scalable predictive models for credit and risk analytics.

- Improvement in model performance, prediction accuracy, and business outcomes.

- Timely execution of analytics projects and model deployment activities.

- Effective utilization of machine learning and statistical techniques to solve business problems.

- Enhancement of credit scorecard and risk assessment frameworks.

- Optimization of data processing and analytical workflows using Python and SQL.

- Contribution towards automation and innovation in analytics processes.

- Strong collaboration with stakeholders for data-driven decision-making.

- Compliance with model governance and regulatory standards.

Mandatory Skills :

- Minimum 2+ years of experience in Data Science.

- Strong domain experience in FinTech, Banking, or NBFC organizations.

- Mandatory experience in Credit Risk Analytics and Credit Score Modelling.

- High proficiency in Python and SQL.

- Strong understanding of Machine Learning techniques and Classification Modelling.

- Expertise in Statistical Modelling and Predictive Analytics.

- Experience in advanced analytics and model building.

- Knowledge of risk analytics, scorecards, and lending models.

- Hands-on experience with data visualization and analytical tools.

- Strong problem-solving and analytical thinking abilities.

- Good communication and stakeholder management skills.

Technical Skillset :

- Python

- SQL

- Machine Learning

- Classification Modelling

- Statistical Modelling

- Predictive Analytics

- Credit Risk Modelling

- Risk Scorecards

- Data Analytics

- Feature Engineering

- Model Validation

- Data Visualization

- Advanced Analytics

Preferred Qualifications :

- Bachelors or Masters degree in Data Science, Statistics, Mathematics, Computer Science, Engineering, or related field.

- Certifications in Data Science, Machine Learning, or Analytics would be an added advantage.