Required Experience

5 - 9 Years

Skills

Python,

sql,

XG Boost

+ 6 more

Job Description

img {max-height: 240px;}
Are you passionate about solving roadblocks & challenges faced by MSMEs in India

MSMEs contribute significantly to India’s total GDP. 90% of India’s ~$1 Trillion Retail Market is controlled by MSMEs. Which means ~$900B worth of commerce flows through these ~60M MSMEs in the form of shops/kiosks/homes, scattered all over the country.

We at Khatabook, have built a product that saves time of MSMEs by managing their credit, and creating transparency in cash flow, henceforth increasing trust with their consumers and that paved the path for us to become India’s fastest-growing fintech company.

Why work with us

People are our biggest asset! At Khatabook, every one of us is a dynamic superstar. We have carefully bred an ecosystem which hires nothing but incredibly and exceptionally talented people who can dream, collaborate, experiment, and break new ground. We’re a strong team that looks out for each other.

Your role

We are seeking a highly skilled and innovative Data Scientist to strengthen our credit risk modeling team. As a Senior Data Scientist, you will be a technical leader owning high-impact machine learning solutions across the entire borrower journey. You will partner with business leaders to drive growth, manage risk, and optimize operations.

What would you do at Khatabook

End-to-End Borrower Lifecycle Modeling: Develop and deploy advanced machine learning solutions across the entire lending value chain, optimizing customer acquisition (propensity-to-borrow, uplift models, CAC/ROAS), strengthening credit risk underwriting (PD, LGD, risk-based pricing), and driving intelligent collections strategies (propensity-to-pay,



dynamic recovery interventions).

End-to-End Execution: Own the complete machine learning lifecycle, from translating ambiguous business requirements into mathematical frameworks to data pipeline creation, model training, and production deployment.

Cross-Functional Leadership & Mentorship: Act as the strategic bridge between technical teams and business stakeholders (Risk, Growth, Ops). Mentor junior Data Scientists, conduct rigorous code reviews, and elevate the team’s technical standards.

What are we looking for

We are looking for a seasoned practitioner with a deep understanding of algorithmic development and a proven track record of solving complex problems within the financial services ecosystem.

Experience: 5–8+ years of hands-on industry experience in Data Science, with a core focus on FinTech, consumer lending, or banking.

Domain Expertise: Deep understanding of lending economics and the regulatory landscape. Proven experience building models for at least two of the following: marketing/growth, credit risk scorecards, or debt recovery/collections.

Programming Mastery: Expert-level proficiency in Python (Pandas, Scikit-learn, NumPy) and SQL for complex data manipulation and feature engineering on large-scale datasets.

Machine Learning & Statistics: Deep practical knowledge of ensemble methods (e.g., XGBoost, LightGBM, Random Forests)



and foundational statistical models (Logistic Regression, Generalized Linear Models).

Familiarity with survival analysis, causal inference, and experimental design (A/B testing).

Big Data & Cloud Infrastructure: Experience extracting and processing large datasets using distributed computing frameworks (e.g., PySpark).

Proficiency within modern cloud ecosystems (AWS, GCP, or Azure).

MLOps & Deployment: Solid track record of bringing models to production. Familiarity with version control (Git), orchestration tools (Airflow), and ML lifecycle management (MLflow, CI/CD pipelines, model monitoring).

Share this job

About Company

About Khatabook

We exist to empower India’s 60 Million strong MSMEs. Our users’ motives, methodology, expectations and behaviour are significantly different from our own when they interact with the internet and technology ecosystem which makes it harder to build for them, to solve that. Our first offering – is an Android App that has been downloaded over 10 crore+ times, which has resulted in having an active merchant base of over 9 million users.

As more businesses are adopting digital for business than ever before, Khatabook’s goal can be summed up simply - Empowering merchants by simplifying their business by

Building a complete business management platform.

Helping businesses increase their incomes by providing them the power of technology and ammunition of insights & digital reports.

Offering a platform catering to the specific needs of the MSME space.

We are an equal chance workplace. We expect your authentic, original selves at work always and stand against discrimination on the basis of caste, creed, gender, religion or background.

📌 Data scientist - III/IV (India)
🏢 Khatabook
📍 India