About Ganit | Build What Matters. Shape What's Next.

Ganit is a global Data and AI engineering company transforming how enterprises think, decide, and operate. Founded in 2017, we specialize in Data Engineering, AI/ML, Generative AI, Agentic AI, Advanced Analytics, and Cloud Technologies, building intelligent, production-ready solutions that deliver measurable business impact.

Partnering with leading enterprises across BFSI, Retail, CPG, Healthcare, Pharmaceuticals, and Manufacturing, we solve complex business challenges through the power of data, engineering, and AI.

At Ganit, innovation isn't confined to ideas, and careers aren't limited by titles. We offer opportunities to work on meaningful enterprise challenges, collaborate with talented minds, gain global exposure, and take ownership of solutions that make a difference.

We value curiosity, independent thinking, continuous learning, and the courage to challenge the expected.

If you're driven by difficult problems, excited by emerging technologies, and ready to make your work count, there's a place for you at Ganit.

Join Ganit. Where Your Ideas Find Purpose, and Your Potential Finds Opportunity.

Website URL: www.ganitinc.com

Responsibilities / Description

Role: Senior Data Analyst / Data Scientist (BFSI-Credit Risk)

Experience: 3 - 5 Years

Location: Mumbai

Employment Type: Full-time

Role Overview

We are looking for a skilled Senior Data Analyst / Data Scientist with 3 - 5 years of experience in Credit Risk, Credit Risk Modelling, and Risk Analytics. The ideal candidate should have strong analytical and problem-solving skills, experience working with risk-related datasets, and the ability to develop data-driven insights and models to support credit risk assessment and business decision-making.

Key Responsibilities

- Analyze large datasets to identify trends, patterns, and insights related to credit risk and portfolio performance.




- Develop, validate, and monitor credit risk models for risk assessment and prediction.
- Work on credit risk modelling techniques, including Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD), wherever applicable.
- Perform risk analytics, portfolio analysis, customer segmentation, and creditworthiness assessment.
- Build and evaluate statistical and machine learning models to support credit risk management.
- Conduct data cleaning, feature engineering, exploratory data analysis, and model performance evaluation.
- Collaborate with business, risk management, and technical teams to translate business requirements into analytical solutions.
- Prepare reports, dashboards, and presentations to communicate insights and model outcomes to stakeholders.
- Monitor model performance and identify opportunities to improve model accuracy and risk assessment processes.

Required Skills and Qualifications

- 3 - 5 years of relevant experience in Data Analytics, Data Science, Credit Risk, or Risk Analytics.
- Hands-on experience in credit risk modelling and credit risk analytics.
- Strong proficiency in Python and SQL.
- Experience with statistical analysis, predictive modelling, and machine learning techniques.
- Understanding of credit risk concepts, risk scoring, credit underwriting, and portfolio risk assessment.
- Experience with data visualization tools such as Power BI or Tableau is an advantage.
- Solid analytical, problem-solving, and communication skills.

Preferred Qualifications

- Experience in banking, financial services, fintech, or lending domains.
- Knowledge of credit scoring models, Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD).
- Familiarity with model validation, model monitoring, and regulatory risk frameworks.
- Experience working with large datasets and translating analytical findings into actionable business insights

📌 Data Scientist (Mumbai)
🏢 Ganit
📍 Mumbai