About Applied Data Finance (ADF)
Applied Data Finance (ADF) is a technology-driven financial services company focused on B2C lending, leveraging data science, advanced analytics, AI/ML, and technology to build creative and scalable financial solutions. ADF uses data-driven insights and technology to enhance credit decisioning, risk management, customer experience, and overall lending outcomes.

About the Role
We're looking for a Senior Data Scientist to play a key role in shaping our underwriting, pricing, and volume strategy, with a strong focus on unlocking refinancing and repeat lending opportunities for returning customers. This role sits within our Acquisition and Credit Risk Strategy team. You'll use data and analytics to guide lending decisions, risk-based pricing, and responsible portfolio growth - working closely with Data Science, Data Engineering, Product, Collections, Finance, and Compliance to balance growth, profitability, and risk for our lending portfolio.

Responsibilities




• Own and develop loan strategy for returning customers - using repayment history and on-book behavior to identify low-risk borrowers eligible for refinance/repeat lending and determine appropriate pricing, offer size, and eligibility.
• Identify and size volume growth opportunities by optimizing cutoffs, expanding into adjacent customer segments, and testing policy changes that increase approvals without disproportionate increases in losses/bad rates.
• Mine cash flow and bank statement data to identify income stability, spending patterns, and repayment capacity signals not captured by traditional bureau data - translating these insights into sharper underwriting and pricing strategies.
• Analyse loan performance and portfolio trends (approval rates, PD/expected loss, vintage curves, risk-adjusted yield, and profitability) to identify emerging risks and recommend policy changes.
• Leverage AI/ML tools to extract structured signals from unstructured cash flow, bank statement, an

📌 Senior Data Scientist – Credit Risk (India)
🏢 Applied Data Finance
📍 India