Lead Data Scientist

The chance. FinBox turns alternative data into credit intelligence that banks, NBFCs and digital lenders use to make lending decisions for millions of Indians, many of them invisible to traditional bureaus. The data platform is built and in production: thousands of features engineered from consented mobile and financial signals, processed at scale. The next chapter is adding more to the modeling layer on top of it and that is what this role owns. It's a rare combination: a mature, proprietary data asset and a near-greenfield modeling canvas, where the models you build translate directly into loans approved, fraud stopped, and defaults avoided.

The problems youll own
- Turn alternative data into financial identity. Convert consented SMS and app-metadata signals into rich, accurate financial profiles and a Customer 360 for people traditional credit systems cant see.
- High-accuracy income fraud frameworks across borrower types. Build robust income-estimation and fraud-detection frameworks that hold up for salaried, self-employed, and MSME borrowers,



each with a very different data footprint.
- Multi-modal underwriting intelligence with triangulation. Fuse GST, ITR, bank statements and bureau data into a single reliable view resolving conflicts across sources to produce underwriting-grade signals.
- Propensity, credit scores the Loan Recommendation Engine (LRE). Build propensity and credit-risk models and an LRE that uses superior algorithms to match the right product to the right customer, measurably lifting the likelihood a customer takes, and repays, a loan.
- Cost-optimised engagement. Optimise channel economics, e.g. WhatsApp outreach, so the right customers are reached with the right nudge at the right time at the lowest cost.

Underwriting deep-dive, where the domain depth lives

This is a role for someone who is both a quantitative modeler and a genuine underwriting mind , able to express credit judgement in code and lift the craft of

📌 Lead Data Scientist (Bengaluru)
🏢 FinBox
📍 Bengaluru