Kisetsu Saison Finance Reviews by Employees

Sales Manager

Assistant Manager

Credit Manager

Manager

Sales Coordinator

About Credit Saison India : Established in 2019, CS India is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting Indias huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saisons global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japans largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Role Summary and Key Responsibilities : As a Senior Software Engineer (Web), you will : - Build high-performance, scalable, and user-friendly web applications - Develop and maintain responsive web applications using modern JavaScript frameworks (e.g., React, Vue) - Translate UI/UX designs into functional, high-quality code - Integrate frontend components with backend services via RESTful APIs - Participate in code reviews, design discussions, and agile sprints - Debug and resolve issues across browsers and devices Requirements : - 3-5 years experience in Javascript frameworks , vue.js preferred, - Solid experience in architecting frontend modules and integrating with backend APIs - Experience in AWS ecosystem preferable

Bangalore

Credit Saison - Senior Frontend Engineer - React.js Frameworks (4-6 yrs)

About Credit Saison India : Established in 2019, CS India is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting Indias huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saisons global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japans largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. As a DevOps Engineer II, you will contribute actively to developing, implementing, and maintaining automated cloud infrastructures on AWS. This role requires a hands-on approach, collaborating with teams, and assisting in implementing DevOps best practices to streamline system operations. Responsibilities : - Infrastructure Support : Assist in maintaining AWS-based infrastructure under supervision using CloudFormation or similar IaC tools. - CI/CD Assistance : Contribute to the maintenance and enhancement of CI/CD pipelines for software deployment and delivery. - Monitoring Assistance : Support setting up and managing monitoring tools such as CloudWatch, DataDog, or equivalent for system monitoring. - Scripting Support : Assist in scripting tasks using Python, Bash, or similar languages for automation. - Collaboration : Work closely with senior team members and peers to implement infrastructure changes and provide support as needed. - Issue Identification : Identify and report infrastructure issues to ensure system stability and reliability. Qualifications : - Experience : 1 to 3 years in DevOps or related roles focusing on cloud infrastructure. - CloudFormation Exposure : Basic exposure to CloudFormation or equivalent tools for provisioning and managing AWS resources. - CI/CD Understanding : Basic understanding of CI/CD concepts and an eagerness to contribute to their improvement. - Monitoring Tools Familiarity : Basic knowledge of monitoring tools like CloudWatch, DataDog, or similar for system monitoring. - Scripting Awareness : Basic scripting skills in languages like Python, Bash, etc., with a willingness to expand knowledge. - AWS Services Familiarity : Basic understanding of various AWS services and their functionalities. - Problem-solving Aptitude : Willingness to learn and solve technical challenges collaboratively. - Team Collaboration : Ability to work within a team, learn from experienced members, and effectively communicate technical concepts. - Continuous Learning Attitude : Candidates should showcase enthusiasm for learning and growing their skills within a dynamic environment, embracing opportunities to deepen their knowledge in AWS and DevOps practices.

Software Engineer - DevOps (1-3 yrs)

About Credit Saison India : Established in 2019, CS India is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting Indias huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saisons global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japans largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities : - Define and drive the long-term AI engineering strategy and roadmap aligned with the companys business goals and innovation vision, focusing on scalable AI and machine learning solutions including Generative AI. - Lead, mentor, and grow a high-performing AI engineering team, fostering a culture of innovation, collaboration, and technical excellence. - Collaborate closely with product, data science, infrastructure, and business teams to identify AI use cases, design end-to-end AI solutions, and integrate them seamlessly into products and platforms. - Oversee the architecture, development, deployment, and continuous improvement of AI/ML models and systems, ensuring scalability, robustness, and real-time performance. - Own the full AI/ML lifecycle including data strategy, model development, validation, deployment, monitoring, and retraining pipelines. - Evaluate and incorporate state-of-the-art AI technologies, frameworks, and external AI services (e.g., APIs, pre-trained models) to accelerate delivery and enhance capabilities. - Establish and enforce engineering standards, best practices, and observability tools (e.g., MLflow, Langsmith) for model governance, performance tracking, and compliance with data privacy and security requirements. - Collaborate with infrastructure and DevOps teams to design and maintain cloud infrastructure optimized for AI workloads, including GPU acceleration and MLOps automation. - Manage project timelines, resource allocation, and cross-team coordination to ensure timely delivery of AI initiatives. - Stay abreast of emerging AI trends, research, and tools to continuously evolve the AI engineering function. Required Skills & Qualifications : - 10 to 15 years of experience in AI, machine learning, or data engineering roles, with at least 8 years in leadership or managerial positions. - Bachelors, Masters, or PhD degree from a top-tier college in Computer Science, Statistics, Mathematics, or related quantitative fields is strongly preferred. - Proven experience leading AI engineering teams and delivering production-grade AI/ML systems at scale. - Strong expertise in machine learning algorithms, deep learning, NLP, computer vision, and Generative AI technologies. - Hands-on experience with AI/ML frameworks and libraries such as TensorFlow, PyTorch, Keras, Hugging Face Transformers, LangChain, MLflow, and related tools. - Solid understanding of data engineering concepts, ETL pipelines, and working knowledge of distributed computing frameworks (Spark, Hadoop). - Experience with cloud platforms (AWS, Azure, GCP) and container orchestration (Kubernetes, Docker). - Familiarity with software engineering best practices including CI/CD, version control (Git), and microservices architecture. - Strong problem-solving skills with a product-oriented mindset and ability to translate business needs into technical solutions. - Excellent communication skills to collaborate effectively across technical and non-technical teams. - Experience in AI governance, model monitoring, and compliance with data privacy/security standards. Preferred Qualifications : - Experience building or managing ML platforms or MLOps pipelines. - Knowledge of NoSQL databases (MongoDB, Cassandra) and real-time data processing. - Prior exposure to AI in specific domains like banking, finance and credit experience is a strong plus.This role offers the opportunity to lead AI innovation at scale, shaping the future of AI-powered products and services in a fast-growing, technology-driven environment.

Credit Saison - Artificial Intelligence Director (10-18 yrs)

About Credit Saison India : Established in 2019, CS India is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting Indias huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saisons global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japans largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities : - Define and lead the data architecture vision and strategy, ensuring it supports analytics, ML, and business operations at scale. - Architect and manage cloud-native data platforms using Databricks and AWS, leveraging the lakehouse architecture to unify data engineering and ML workflows. - Build and optimize large-scale batch and streaming pipelines using Apache Spark, Airflow, and AWS Glue, ensuring high availability and fault tolerance. - Design and develop data marts, warehouses, and analytics-ready datasets tailored for BI, product, and data science teams. - Implement robust ETL/ELT pipelines with a focus on reusability, modularity, and automated testing. - Enforce and scale data governance practices, including data lineage, cataloging, access management, and compliance with security and privacy standards. - Partner with ML Engineers and Data Scientists to build and deploy ML pipelines, leveraging Databricks MLflow, Feature Store, and MLOps practices. - Provide architectural leadership across data modeling, data observability, pipeline monitoring, and CI/CD for data workflows. - Evaluate emerging tools and frameworks, recommending technologies that align with platform scalability and cost-efficiency. - Mentor data engineers and foster a culture of technical excellence, innovation, and ownership across data teams. Required Skills & Qualifications : - 8+ years of hands-on experience in data engineering, with at least 4 years in a lead or architect-level role. - Deep expertise in Apache Spark, with proven experience developing large-scale distributed data processing pipelines. - Strong experience with Databricks platform and its internal ecosystem (e.g., Delta Lake, Unity Catalog, MLflow, Job orchestration, Workspaces, Clusters, Lakehouse architecture). - Extensive experience with workflow orchestration using Apache Airflow. - Proficiency in both SQL and NoSQL databases (e.g., Postgres, DynamoDB, MongoDB, Cassandra) with a deep understanding of schema design, query tuning, and data partitioning. - Proven background in building data warehouse/data mart architectures using AWS services like Redshift, Athena, Glue, Lambda, DMS, and S3. - Strong programming and scripting ability in Python (preferred) or other AWS-compatible languages. - Solid understanding of data modeling techniques, versioned datasets, and performance tuning strategies. - Hands-on experience implementing data governance, lineage tracking, data cataloging, and compliance frameworks (GDPR, HIPAA, etc.). - Experience with real-time data streaming using tools like Kafka, Kinesis, or Flink. - Working knowledge of MLOps tooling and workflows, including automated model deployment, monitoring, and ML pipeline orchestration. - Familiarity with MLflow, Feature Store, and Databricks-native ML tooling is a plus. - Strong grasp of CI/CD for data and ML pipelines, automated testing, and infrastructure-as-code (Terraform, CDK, etc.). - Excellent communication, leadership, and mentoring skills with a collaborative mindset and the ability to influence across functions.

Data Architect (8-12 yrs)

About Credit Saison : Established in 2019, CS India is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting Indias huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Credit Saison Co., Ltd. is a leading Japanese financial services company, founded in 1951 and headquartered in Tokyo. As the 3rd largest credit card issuer in Japan, Credit Saison boasts over 35 million cardholders. The company operates across five main segments : Payments (B2C) : Offering a variety of payment services, including credit and prepaid cards, and smartphone-based payments. Payments (B2B) : Providing credit cards and other payment services to businesses, enhancing cash flow and back-office efficiency Finance : Offering financial products for home purchases, rentals, and leases. Global Business : Delivering digitalized and localized financial services to underserved communities in Southeast Asia, India, and Latin America. Asset Management : Providing asset management services tailored to business operators' capital investment plans. Saison International serves as the international headquarters and global business arm of Credit Saison and plays a key role in connecting its subsidiaries. Established in 2014, Saison International operates in Southeast Asia, India, and Latin America, partnering with local non-bank financial institutions and FinTech companies to manage a lending business for individuals and MSMEs. This includes Onshore subsidiaries engaged in wholesale lending in Brazil and Mexico. An offshore wholesale lending business based out of Singapore (Saison Investment Management Pte Ltd). A non bank finance company in India engaged in both retail and wholesale lending. Associates enagaged in retail and wholesale lending in south east Asian countries such as Indonesia and Vietnam. In addition to its lending business, Saison International also engages in Investment activities, including venture capital. Saison International has been the key driver of growth for Credit Saison, notably establishing a US$ 2bn lending business in India in the last 5 years. Saison International forms the core of the group's future growth strategy. Come join us and be a part of a unique and culturally modern fintech NBFC that is bound for greater success. We pride ourselves on a modern technology stack - reliable, scalable and highly secure!Our tech stack reads like this Microservices architecture built on Java (Springboot),Kotlin, Go, Python and some serverless infra, Front-ends on VueJS, Mobility via Flutter fully deployed on an automated cloud environment. We have a robust data infrastructure to derive intuitive business insights and also perform automated decisions in our lending process. Skills/Qualifications : A solid grounding in Computer Science fundamentals (based on a BS or MS in CS or related field) - Excellent Object Orientation, coupled with excellent problem solving and debugging skills. - Highly skilled at Java and related technologies, including Java Frameworks like SpringBoot or Dropwizard, RESTful web services, JSON, Servlet, JSP, MySQL,MongoDB, Kafka,AWS etc. - Jenkins, Kubernetes and deployment on AWS. - Must have hands-on experience on building scalable and secure backend systems. - Should have working knowledge of DevOps concepts like Continuous Deployment, - Good understanding of one of the JavaScript libraries and frameworks such as ReactJS, AngularJS etc will be an added advantage. - Well versed in software engineering principles, frameworks and technologies Job Duties : Develop server side components, REST APIs : - Assume ownership for existing and new modules including design, development and unit testing for enhancements of existing modules and development of new modules. - Follows coding standards, builds appropriate unit tests, integration tests and deployment scripts. Solve Problems : - Analyse problems logically and exercise sound judgement in defining, evaluating, and solving difficult technical and operational problems where solutions may be of a precedent-establishing nature. Lead the design and architectural improvements : - Participate and collaborate with team members in design discussions, determine areas of complexity, potential risks to successful implementation, suggest enhancements to architecture, implement POCs and enhance application. - Work closely with team members, coordinate requirements, and perform feasibility studies to implement them in application, provide schedules, and activities; contribute to team meetings and activities troubleshoot development and production problems across multiple environments and operating platforms

Credit Saison - Senior Software Engineer - Java Technologies (4-6 yrs)

About Credit Saison : Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintech's. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Credit Saison Co., Ltd. (- ) is a leading Japanese financial services company, founded in 1951 and headquartered in Tokyo. As the 3rd largest credit card issuer in Japan, Credit Saison boasts over 35 million cardholders. The company operates across five main segments : - Payments (B2C) : Offering a variety of payment services, including credit and prepaid cards, and smartphone-based payments. - Payments (B2B) : Providing credit cards and other payment services to businesses, enhancing cash flow and back-office efficiency. - Finance : Offering financial products for home purchases, rentals, and leases. - Global Business : Delivering digitalized and localized financial services to underserved communities in Southeast Asia, India, and Latin America. - Asset Management : Providing asset management services tailored to business operators' capital investment plans. - Saison International serves as the international headquarters and global business arm of Credit Saison and plays a key role in connecting its subsidiaries. Established in 2014, Saison International operates in Southeast Asia, India, and Latin America, partnering with local non-bank financial institutions and FinTech companies to manage a lending business for individuals and MSMEs. We pride ourselves on a modern technology stack - reliable, scalable and highly secure!Our tech stack reads like this - Microservices architecture built on Java (Springboot),Kotlin, Go, Python and some serverless infra, Front-ends on VueJS, Mobility via Flutter fully deployed on an automated cloud environment. We have a robust data infrastructure to derive intuitive business insights and also perform automated decisions in our lending process. Skills/Qualifications : - A solid grounding in Computer Science fundamentals (based on a BS or MS in CS or related field) - Excellent Object Orientation, coupled with excellent problem solving and debugging skills. - Highly skilled at Java and related technologies, including Java Frameworks like SpringBoot or Dropwizard, RESTful web services, JSON, Servlet, JSP, MySQL,MongoDB, Kafka,AWS etc. - Must have hands-on experience on building scalable and secure backend systems. - Should have working knowledge of DevOps concepts like Continuous Deployment, Jenkins, Kubernetes and deployment on AWS. - Good understanding of one of the JavaScript libraries and frameworks such as ReactJS, AngularJS etc will be an added advantage. - Well versed in software engineering principles, frameworks and technologies Job Duties : - Develop server side components, REST APIs - Assume ownership for existing and new modules including design, development and unit testing for enhancements of existing modules and development of new modules. - Follows coding standards, builds appropriate unit tests,integration tests and deployment scripts. - Solve Problems - Analyse problems logically and exercise sound judgement in defining,evaluating, and solving difficult technical and operational problems where solutions may be of a precedent-establishing nature. - Lead the design and architectural improvements - Participate and collaborate with team members in design discussions, determine areas of complexity, potential risks to successful implementation, suggest enhancements to architecture, implement POCs and enhance application. - Work closely with team members, coordinate requirements, and perform feasibility studies to implement them in application, provide schedules, and activities; contribute to team meetings and activities; troubleshoot development and production problems across multiple environments and operating platforms

Credit Saison - Software Engineer - II - Spring Boot/Servlets (2-5 yrs)

About Credit Saison India : Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison's global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities : - Work with stakeholders throughout the organisation to identify opportunities for leveraging internal/external data to drive business solutions. - Develop a DS use case roadmap for a problem area or capability for the business. - Mine and analyse data from company databases to drive optimization and improvement of product. - Develop end to end Credit Risk scorecards/models ranging from applications to behaviour to collections scorecard using techniques such as linear model/regression, logistic regression, random forest, boosting/bagging trees, dimensionality reduction algorithms - Work as the data strategist, identifying and integrating new datasets that can be leveraged through our product capabilities and work closely with the engineering team to strategize and execute the development of data products. - Enhance data collection procedures. Processing, cleansing, and verifying the integrity of data used for analysis. - Run data exploration to understand relationships and patterns within the data, develop data visualisation to represent the relationships identified from data exploration. - Data mining using state-of-the-art methods. Selecting features, building and optimizing classifiers using machine learning techniques. - Refine and deepen understanding of the algorithmic and inferential aspects of statistical analysis. - Evaluate new algorithms from latest research and develop intuition about the problems for which they are likely to improve the state of the practice. - Build training pipelines for the production environment. Develop and execute on a plan for continuous iteration and refinement of a new model. - Provide inputs for design, quality assurance parameters and support implementation for the model in an online environment. - Provide inputs and determine infra requirements and infra management for model deployment. - Lead debugging of data pipelines and model behaviour in production environment.Develop dashboards to enable easy tracking and communication of model impact. Required skills & Qualifications : - We're looking for someone with 2 ~ 5 years of experience manipulating data sets and building statistical models, with a Bachelor's/Master's/PhD degree in Statistics, Mathematics, Computer Science or another quantitative field, from any of the top-tier colleges. - Strong problem solving skills with an emphasis on product development. - Excellent written and verbal communication skills for coordinating across teams. - Good applied statistics skills such as distributions, statistical testing, regression. - Good scripting and programming skills in Python and SQL. - Excellent understanding of machine learning techniques and algorithms, such as k-NN, Naive Bayes, SVM, Decision Forests, artificial neural networks and their real-world advantages or drawbacks. - Knowledge of deep learning techniques is a plus. - Experience with common data science toolkits such as R, NumPy, MatLab, Pandas, Scikit-learn, TensorFlow, Keras etc. - Experience with data visualisation tools such as D3.js, GGplot. - 3+ years of relevant experience within credit, risk, collections management, ideally at a high-growth technology and/or financial services company.(Application Scorecard, Behaviour Scorecard, Collection Score Card, Loan Pricing, Loss Forecasting, Cross-Sell Model) - Experience with NoSQL databases such as MongoDB, Cassandra, HBase is desired. - Experience with distributed data/computing tools like Map/Reduce, Hadoop, Hive, Spark is a big plus.

Credit Saison - Data Scientist/Senior Data Scientist - Python/SQL (3-5 yrs)

About Credit Saison India Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison's global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Product Head for Data, Analytics and Platform - Director/Sr.Director Role Overview : The Product Head - Data and Analytics will lead the strategic development and execution of our data platform initiatives, ensuring they align with business goals and deliver measurable results. You will be responsible for defining product strategy, setting OKRs, and ensuring the successful execution of programs that drive the product roadmap. You will work cross-functionally with technical teams to integrate advanced analytics, machine learning, and AI capabilities into scalable data platforms. Key Responsibilities : - Define and drive the strategic direction for data platforms, aligning technical initiatives with business goals and objectives. - Set clear OKRs (Objectives and Key Results) for data platform development and ensure alignment across all teams (engineering, data science, analytics, etc.). - Establish and enforce standards for planning, project management, execution, and documentation throughout the product lifecycle. - Lead the design and implementation of scalable data pipelines, data lakes, and real-time analytics architectures, ensuring robust performance, security, and compliance. - Collaborate with Data Science, Analytics, Platform, and AI teams to ensure seamless integration of machine learning models, predictive analytics, and AI technologies. - Set and maintain high standards for project management, ensuring initiatives are delivered on time, within scope, and on budget, using Agile methodologies. - Ensure thorough documentation of technical processes, product specifications, and architectural decisions to maintain transparency and scalability. - Implement strong data governance and security protocols, ensuring compliance with relevant data protection regulations (GDPR, CCPA). - Develop key performance metrics (KPIs) to assess the success of data products and continuously iterate for improvement. - Mentor and lead product managers and technical teams, instilling a culture of ownership, innovation, and excellence in execution. Qualifications : - BTech and/or MBA from top-tier colleges (e.g., IITs, NITs, ISBs, IIMs, or equivalent). - 10+ years of experience in product management, with a focus on building data platforms and integrating advanced analytics. - Proven track record in setting and executing strategic roadmaps, OKRs, and ensuring business alignment across teams. - Deep understanding of cloud technologies (e.g., AWS, Azure) and familiarity with data frameworks (Hadoop, Spark, Kafka). - Strong experience with data architectures (data lakes, data warehouses, NoSQL/SQL), data governance, and real-time data pipelines. - Experience in integrating AI/ML models into data products and driving business intelligence (BI) initiatives (e.g., Tableau, Power BI). - Solid program management expertise with the ability to lead cross-functional teams and deliver complex projects on schedule. - Proven ability to set and maintain standards for planning, project management, and documentation to ensure high-quality execution. - Knowledge of data governance frameworks and experience ensuring compliance with regulations like GDPR, CCPA. - Excellent leadership, communication, and interpersonal skills, with the ability to engage and align technical and business stakeholders.

Credit Saison - Director - Product & Data Analytics (9-15 yrs)

About Credit Saison India Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison's global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities : - Be instrumental in insights generation - Identify the requirements of the analytics products and work together with data analysts, data scientists, and data engineers in the team to ensure delivery - Top notch end to end solutioning - Build roadmaps on analytics products and ability to breakdown tasks to the nth level - Experience in writing Mapping Documents for Reports and dashboards - Own the software and analytics product portfolio that supports our team's core data platform and data analytics. - Facilitate an effective working process for every stakeholder involved, especially for the internal data team - Ensure the standardised quality of products delivered - Be the bridge between Product / Data Engineering teams Required skills & Qualifications : - BTech and/or MBA from top-tier colleges (e.g., IITs, NITs, ISBs, IIMs, or equivalent) - 5+ years of product management experience, with a strong focus on data platforms or data-driven products. - Technical knowledge: basic statistics concepts and analytics/engineering frameworks - Should be a strong facilitator and have good integration mindset - Shows high levels of clarity of thought, communicates well - Ability to identify, refine and lock Data requirements for creation of technical Data Stories, considering - Data product criteria that will serve as guideline for Data Engineering efforts - Experience with SQL, BI Tools such as Looker, Power BI, Tableau and data warehouse technologies such as Big Query, Redshift or Snowflake is desirable. - Knowledge of data pipeline design, understanding of integration and data transformation standard methodologies - Have top level understanding of statistics, machine learning and other concepts. - Have worked on complex, non-routine analytical problems, applying advanced methods when needed.

Credit Saison - Product Manager - Data Platforms (5-8 yrs)

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