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, agile 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

📌 Data scientist (Bengaluru)
🏢 Khatabook
📍 Bengaluru