We are looking for a highly analytical and business-driven SeniorData Scientist to lead data science initiatives in credit risk andcollections strategy for our home loan portfolio. The role involvesbuilding predictive models, optimizing credit decisions, and enhancingcollections efficiency through data-driven insights.
Key Responsibilities
Credit Risk Modeling
Develop and deploy predictive models for:
Credit scoring (application behavioral)
Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD)
Analyze borrower behavior and creditworthiness using structured and alternative data
Monitor model performance and ensure stability over time
Collections Strategy Optimization
Design data-driven collection strategies across delinquency buckets
Build models for:
Roll rate prediction
Recovery optimization
Customer segmentation for collections prioritization
Recommend treatment strategies (call, legal, settlement, restructuring)
Data Analysis Insights
Perform deep-dive analysis on portfolio performance, delinquencies, and losses
Identify early warning signals and risk triggers
Translate complex findings into actionable business recommendations
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.
📌 Data Scientist Gurugram
🏢 IIFL home finance
📍 Gurugram
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