At FinBox, we're on the lookout for exceptional folks who are all about innovation and impact. If you're excited to shake things up in the banking and financial services world, keep reading

Responsibilities

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 can't see.
High-accuracy income and 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, and 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-optimized engagement. Optimize 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 judgment in code and lift the craft of the team around them.
MSME, LAP, and micro-LAP underwriting. Own the models and decisioning behind secured MSME lending, where borrowers are traders, self-employed professionals, and small businesses with little or no formal income proof. Build cash-flow-based income and affordability models for micro-LAP and LAP, translate fair-market vs. distress-sale valuation into a risk-adjusted LTV, and encode underwriting policy, eligibility, obligations/FOIR, exposure caps, etc. directly in code.

📌 Senior Data Scientist (Bengaluru)
🏢 FinBox
📍 Bengaluru