Data Scientist — Credit Risk / Underwriting

? Gurgaon | 2–4 years | Full-time

What you'll own

- Build and ship underwriting models using bureau, transaction and alternate data
- Own the complete ML lifecycle: feature design → training → validation → production → monitoring → recalibration
- Develop eligibility and routing logic across partner lenders
- Work on portfolio analytics — delinquency, early-warning signals and collections prioritisation

What we're looking for

- 2–4 years of experience building and shipping ML models used in real-world decisions
- Strong Python and SQL skills; hands-on experience with gradient boosting
- Solid understanding of model validation, drift and live model performance
- Someone who wants to own business-critical decisions, not just build notebooks

Good to have

- Experience in credit risk, underwriting or scorecards
- Familiarity with bureau data, DPD, vintage curves and approval-rate vs. loss trade-offs
- Experience working with alternate data — SMS, bank statements, device data
- Exposure to co-lending or partner-lender setups

📌 Data Scientist (Gurugram)
🏢 Bachatt
📍 Gurugram