Job Description 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

📌 Senior Data Scientist (Mumbai)
🏢 Applied Data Finance
📍 Mumbai