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Data Scientist – Risk Analytics
Pune, Maharashtrafull time₹2,200,000 - ₹4,000,000
Posted Mar 1587 applicants
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Bajaj Finserv's Risk Analytics team is hiring a Data Scientist to build credit risk scorecards and early warning models for India's largest consumer lending portfolio spanning personal loans, home loans, and EMI cards.
You will work with India's richest credit dataset covering 80M+ customers to build models that directly determine lending decisions worth crores daily.
- 3–5 years data science experience in NBFC or banking credit risk
- Credit risk scorecard development: logistic regression, XGBoost, LightGBM
- Python: pandas, scikit-learn, statsmodels
- RBI credit risk guidelines and IFRS 9 provisions understanding
- SQL and large-scale data processing with Spark
- Strong statistical modelling and model validation skills
- Build bureau and behavioral credit risk scorecards for lending products
- Develop early warning system models for NPA prediction
- Validate models against RBI regulatory model risk guidelines
- Design champion-challenger experiments for scorecard deployment
- Present model performance to Chief Risk Officer quarterly
- Collaborate with product to balance credit risk and conversion
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