Key Responsibilities
Own the end-to-end delivery of models/algorithms across customer life cycle; Develop creative credit risk / churn / usage models using mobile wallet transaction data, Call data, Telecom usage data, customer bureau data etc
Partner with the Data Engineering team to define the required data pipelines to build and enhance the feature bank (foundational capability) to build/deploy the various ML algorithms both for batch and real time use cases
Collaborate with credit policy/portfolio mgmt. team to drive P&L; outcomes.
Building reports for model monitoring and drive enhancements

Required Qualifications & Skills
Solid expertise in end-to-end risk model lifecycle management (develop, deploy, monitor)
Previous hands on in credit, fraud, churn model development and deployment
Previous experience in PD/EAD/LGD model development/validation




Experience in CSI/PSI model monitoring process
Hands on experience in data extraction using SQL/Pyspark SQL; data cleaning, feature creation and building models using Py Spark/Python on Spark; Scale will be a plus.
Previous exposure to below algorithms (preferably multiple):
Logistic Regression
Random forest
XGBOOST
Markov Chain
PSI/CSI for model monitoring
Strategy performance tracking and swap in / swap out analysis
Strong entrepreneurial drive

Positive To Have Skills
Valuable business understanding of the fintech/consumer finance space
Experience in working with credit card / personal lending space, esp fintech
Hands on experience in working with Telecom data

📌 Principal/sr Data Scientist Haryana
🏢 Comviva
📍 Haryana