Role & responsibilities

We are looking for a highly analytical and business-driven Senior Data Scientist to lead data science initiatives in credit risk and collections strategy for our home loan portfolio. The role involves building predictive models, optimizing credit decisions, and enhancing collections 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

Preferred candidate profile - We are looking for an immediate joiner.

📌 Senior Data Science Risk Gurugram
🏢 India Infoline (IIFL)
📍 Gurugram