Job Location: Hyderฤbฤd
About us
CreditVidya is the leading player in the alternative credit scoring space in India. A pioneer in the domain, we are leveraging alternative data, AI and machine learning to facilitate institutional credit for the underserved. Our products are helping a large section of the salaried and self-employed population become visible to lenders, by making it financially viable for banks and NBFC’s to underwrite customers for much smaller unsecured loans. 55+ leading banks and NBFCs that share our vision, rely on our products to manage the credit cycle end-to-end: Prospecting, Credit Underwriting, and Delinquency Management. With over 10,000 data points, CreditVidya’s credit underwriting model is 2x more powerful than traditional bureau scores, helping banks and NBFC’s underwrite 15% more individuals, including the completely new-to-credit segment (first time borrowers). To date, we have underwritten over 25 million individuals. Our products also help lenders cut the time of decision-making from several days to under five minutes, reduce costs, prevent fraud, and consequently, increase profitability. We are dedicated to our mission of making affordable credit accessible to more than 3 billion under-served people across the world.
Job Description
About the team:
The team is responsible for conceptualizing and productionization of the data-products at CreditVidya which are key to CreditVidyaโs B2B and B2B2C/B2C business. We are among the few teams in Indian fintech space who has successfully implemented large-scale ML and DL models and has the pride of having its own patented technology.
Awards to the team:
- 2019 Best AI Startup Award from India FinTech Forum
- 2018 Gartner’s Cool Vendors in AI for Fintech in Asia/Pacific
- 2017 Amazon India AI Conclave Award in FinTech category
Key Responsibilities:
- Work with cash-flow, behavioral and traditional bureau datasets
- Upgrade and maintain credit leverage frameworks that work towards maximizing offers for customers
- Create/Ideate/Innovate on frameworks for credit risk ops, credit offers and required model development/updates
Requirements
Primary Requirements (Must-have):
- 1-4 years of experience in data-science
- Hands-on modeling experience in ANN, RF & GBM
- Expertise in Python and knows atleast one object oriented programming language.
- Understands retail lending
- Expertise in feature generation and data sanity
- Keen on problem solving and aptitude for learning
Preferred Qualifications:
- Must have delivered atleast one data product end-to-end
- Previous experience in banks/NBFC(s)/fintechs
- Knows SCALA/JAVA
- Experience in deploying Machine Learning and Deep Learning techniques
- Understands the concepts of hyper-parameter optimization and various techinques to achieve the same, primarily Genetic and Bayesian approaches
- Framework(s) approach to problem solving and ability to break down broader problem statements to hypothesis and validate
- Keeps a track of recent developments in the ML & DL space
- Belongs to Tier1 colleges (IIT/NIT/BITS etc.)
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