Job Summary

The Kuhoo Story: Where Dreams Meet Data Picture this: A brilliant engineering student from a middle-class family in Tier-2 India has the potential to revolutionize technology, but traditional lenders see only their fathers modest income. This is the story that sparked Kuhoo Finance-a fintech revolution that believes in Aatmanirbharta (self-reliance) and transforms "what if" into "why not."

Today, were not just another NBFC. Were dream architects, wielding AI and data science like modern-day magic wands to unlock the future earning potential hidden within every student. With our fresh RBI NBFC license, were scaling from facilitating dreams to directly funding them-offering education loans up to 2 crore across engineering, management, medical programs, and cutting-edge upskilling initiatives.

Our Numbers Tell Stories:

- 100,000+ student applications processed (each one a unique dream)

- 375+ crore in loans facilitated (translating to countless transformed lives)

- 15,000 borrowers who now call us their launchpad to success

- 3 years of redefining how education financing works in India

The Five Core Values That Drive Us

1. Ownership: We dont just work here; we build the future here

2. Passion for Excellence: Valuable enough is never good enough

3. Impact: Every line of code, every decision shapes a students tomorrow

4. Curiosity: We question everything and innovate fearlessly.

5. Fairness: At Kuhoo, fairness is the foundation of our decisions, ensuring equal opportunities and transparent growth for all.

At Kuhoo, weve created more than a workplace-weve built an ecosystem where innovation thrives, execution is an art form, and meritocracy isnt just a buzzword but our operating system. As we scale, our Data Analytics team plays a central role in shaping product strategy, credit risk, and marketing effectiveness.

Role Overview

We are looking for an experienced Senior Data Scientist / Analyst to join our Data Analytics team. This is a broad, high-ownership analytics role. You will run detailed credit risk analysis - which makes up the bulk of the work today - service day-to-day data requests, and build and own Tableau dashboards, while partnering closely with credit, product, and marketing teams to turn questions into decisions.





You are expected to understand the business in depth and drive projects independently, end to end. As the team and data mature, you will mentor junior analysts and progressively take on more advanced modelling and machine learning as the company scales.

Key Responsibilities

Credit Risk Analysis Decisioning

- Own detailed credit risk analysis - portfolio cuts, delinquency and roll-rate trends, vintage and cohort performance, and the drivers of risk across the loan book.

- Work hands-on with CIBIL, Experian, and CRIF bureau data: understand the schema, assess data quality, and build predictive features and risk segments.

- Develop and refine credit decision rules and policy frameworks to support automated and assisted underwriting.

- Build and maintain credit scorecards and risk monitoring; track performance, watch for drift, and recommend recalibration as volumes grow.

Data Requests, Reporting Dashboards

- Service ad-hoc and recurring data requests from credit, product, marketing, and leadership with accurate, well-documented SQL.

- Design, build, and own Tableau dashboards for operational and executive audiences - keeping them reliable, intuitive, and self-serve.

- Define metrics and single sources of truth, and safeguard data quality, consistency, and clear documentation across reports.

- Automate recurring reporting so the team spends less time pulling data and more time interpreting it.

Business, Product Marketing Analytics

- Build a deep understanding of the business and use it to frame problems, scope analyses, and run projects independently from question to decision.

- Partner with product teams to define success metrics, instrument data collection, and analyse the impact of specific features.

- Design and analyse A/B and other experiments across marketing and product, and translate the results into clear recommendations.

- Build user segmentation and cohort analyses to support lifecycle marketing,



acquisition efficiency, and product personalisation.

Leadership Collaboration

- Mentor and guide junior data analysts and associates; review their queries and analysis and uphold analytical standards.

- Partner with engineering and data teams to source new data, improve pipelines, and embed analysis into day-to-day decisions and workflows.

- Communicate findings clearly - written memos, executive presentations, and data visualisations.

- Drive a culture of intellectual honesty: flag data limitations and uncertainty in conclusions proactively.

Machine Learning Advanced Modelling (Future Scope)

- Today the role is analytics-led; as data volumes and the team grow, you will progressively take on more predictive modelling and machine learning.

- Apply techniques such as logistic regression, gradient boosting, clustering, and survival analysis to credit, marketing, and product problems where they add value.

- Help shape the team s path from rules- and analysis-driven decisions toward more automated, model-driven decisioning over time.

Tools, Automation Best Practices

- Use Python and SQL to automate repetitive data preparation, monitoring, and reporting tasks.

- Champion best practices for version control, reproducibility, and documentation across the team.

Technical Skills

Core (Must Have)

- Python: Pandas, NumPy, Statsmodels, and Seaborn/Matplotlib for data wrangling, analysis, and visualisation (Scikit-learn / XGBoost a plus).

- SQL (advanced): complex queries, window functions, query optimisation on large datasets.

- Applied statistics: regression, hypothesis testing, experimental design, and segmentation for business and credit analysis.

- Credit bureau data: familiarity with CIBIL, Experian, or CRIF data structures and tradelines.

- Credit risk metrics and scorecard concepts: Gini, KS, PSI, IV, and basic model monitoring.

- BI / Visualisation: Tableau (or similar) - building and maintaining dashboards for operational and executive audiences.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Senior Data Scientist (Mumbai)
🏢 Kuhoo Technology Services
📍 Mumbai