Credit & Risk Strategist (B2C, Fintech)

Strong Senior Product Manager — Vertical Products (Fintech, Growth & Conversion) Profile

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Mandatory(Experience 1)- Must have 6+ years of product management experience, with the most recent 3 years spent owning a consumer-facing product surface (app, web funnel, onboarding, checkout, or equivalent B2C surface).

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Mandatory(Experience 2) - Must have consumer-facing product ownership as the centre of gravity. Backend, API, infra, or internal-tools PMs with no recent consumer-facing surface will not be considered. Backend exposure alongside real consumer-funnel work is fine; a backend centre not.

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Mandatory(Experience 3)- Must have a metric-backed track record improving conversion, revenue yield, engagement, or lead quality in a consumer funnel — owned numbers, a steady experimentation cadence (A/B tests, rollouts, readouts), and comfort with analytics: funnels, cohorts, drivers, causal reasoning, measurement hygiene.

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Mandatory(Experience 4)- Must be fluent with AI — active, habitual use of AI tools (ChatGPT, Claude, Gemini, Perplexity, or equivalent) in daily product practice.

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Mandatory(Stakeholder Mgmt)- Must be able to act as the primary link between business leaders, tech teams, and external partners — communicating roadmap, priorities, trade-offs, and performance readouts to senior stakeholders, and working with distributed teams across time zones (Australia, India, Philippines).

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Mandatory(Product Writing & Agile Delivery)- Must have strong product writing — problem briefs, PRD-lite/user stories, experiment plans, decision logs — and deep working command of Agile frameworks and tools.

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Mandatory(Company) - Must be from B2C product company. FinTech is the priority . A non-fintech candidate qualifies only if currently or recently at a Series B plus company.

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Preferred(Skill)- Exposure to LangChain, RAG, or prompt engineering in a product context; experience working directly with data science/ML teams on model-backed features; prior AI features in transactional or financial-services consumer UX.

Role Overview 

As a Data Scientist, you will work with business stakeholders, AI engineers, and domain experts to transform data into actionable insights and intelligent solutions. You will develop machine learning models, perform statistical analysis, and contribute to AI-driven products that create measurable business impact. 

Key Responsibilities 

Data Science & Machine Learning 

• Analyze structured and unstructured data to identify patterns, trends, and business opportunities.  
• Perform exploratory data analysis (EDA), feature engineering, and data preparation.  
• Develop, evaluate, and optimize machine learning models for prediction, classification, clustering, and forecasting.  
• Apply statistical techniques to solve business problems and validate model performance.  
• Design and execute experiments to improve model accuracy and business outcomes.  

 AI Solution Development 

• Collaborate with AI Engineers, Data Engineers, and domain experts to build AI-powered solutions.  
• Translate business requirements into scalable data science approaches.  
• Contribute to Generative AI and advanced analytics initiatives where applicable.  
• Document methodologies, model performance, and key findings.  

 Required Technical Skills 

• Strong programming skills in Python and SQL for data analysis, feature engineering, and machine learning.  
• Strong understanding of Statistics, Probability, Linear Algebra, and Calculus as applied to machine learning and data science.  
• Experience with Exploratory Data Analysis (EDA), data preprocessing, feature engineering, feature selection, and handling missing or imbalanced data.  
• Good understanding of Supervised, Unsupervised, and Ensemble Machine Learning algorithms, including their assumptions, strengths, limitations, and appropriate use cases.  
• Strong knowledge of Regression, Classification, Clustering, Time Series Forecasting, Dimensionality Reduction, Recommendation Systems, and Anomaly Detection techniques.  
• Experience with Model Evaluation, Cross-Validation, Hyperparameter Optimization, Bias-Variance Trade-off, Feature Importance, Explainable AI (XAI), and Performance Metrics.  
• Understanding of Statistical Inference, Hypothesis Testing, Probability Distributions, Sampling Techniques, Confidence Intervals, and A/B Testing.  
• Experience translating business problems into analytical approaches and developing scalable, data-driven solutions.  
• Working knowledge of Generative AI, Large Language Models (LLMs), Prompt Engineering, and Retrieval-Augmented Generation (RAG) is preferred. 

Preferred Qualifications 

• Bachelor's or master's degree in computer science, Artificial Intelligence, Data Science, Statistics, Mathematics, Engineering, or a related field.  
• 2–4 years of experience developing machine learning or data science solutions.  
• Experience working on end-to-end data science projects in a business environment.  

 Nice to Have 

• Exposure to Generative AI, LLMs, RAG, or Agentic AI.  
• Experience with Computer Vision or Natural Language Processing (NLP).  
• Familiarity with cloud-based AI platforms.  
• Knowledge of construction, engineering, manufacturing, or industrial domains.  
• Participation in hackathons, research, Kaggle competitions, or open-source projects.  

 Soft Skills 

Strong analytical and problem-solving skills, effective communication and collaboration, ownership mindset, adaptability, continuous learning, and a passion for innovation.

Position Overview:

We are building a new retail merchandising platform on top of that data. It answers what to stock, how much,

and in which store—combining sales, catalogue, and customer data with GeoIQ’s location attributes at retail

scale: thousands of stores, tens of thousands of SKUs, decisions made weekly.

As part of the data science team on this platform, you will build the forecasting, assortment and

recommendation models behind those decisions. The platform is new, so the models are being built now, not

maintained. Hands-on modelling with senior review — what you ship changes what a store actually orders.

Responsibilities:

● Build SKU- and store-level demand forecasts, including for new products with little or no sales history.

● Build assortment models — which products earn shelf space in which stores or store clusters, and how

a range change is likely to play out.

● Build recommendation and ranking models for product discovery, cross-sell and bundling, including

cold-start for new products and customers.

● Engineer features from sales, seasonality, promotions, pricing, catalogue hierarchy, store attributes and

GeoIQ’s location and demographic layers.

● Handle the realities of retail data: intermittent demand, stockouts censoring true demand, returns and

cannibalisation between similar SKUs.

● Design backtests and A/B tests that reflect how planners use the output; monitor deployed models for

drift.

● Build data pipelines and work with engineering to take models to production.

● Communicate findings to merchandising, category, and product teams.

Expectations:

● Proficient in Python

● Work experience: 1–3 years

● Prior experience with building ML models end-to-end

● Prior experience with SQL

● Knowledge of statistical techniques and model evaluation

● Experience with time-series forecasting or recommender systems will be an added advantage

● Experience with retail, e-commerce, supply chain, or spatial data will be an added advantage

Join us early and help build the merchandising brain for retail at national scale — close to the product and the

customer, with the freedom of a platform still being shaped.

We are looking for a hands-on Lead Data Scientist with strong analytical, machine learning, and problem-solving skills to work in a client-facing environment.

The role requires someone who can independently identify opportunities, formulate hypotheses, design solutions, and drive initiatives from analysis through experimentation and production implementation. The candidate should also be comfortable guiding team members and working closely with engineering and client stakeholders.

Responsibilities: 

• Analyse complex datasets to identify patterns, issues, and opportunities.
• Formulate and validate hypotheses through structured analysis and experimentation.
• Build and improve machine learning and anomaly detection solutions.
• Design end-to-end solutions considering data, modelling, engineering, and production constraints.
• Perform root cause analysis across models, data, and systems.
• Work with engineering teams on feature pipelines, model inference, and production deployment.
• Lead technical discussions with clients and communicate recommendations, trade-offs, and expected impact.
• Guide team members on analysis, modelling, and solution design.
• Proactively identify initiatives and roadmap items that can add value to the project.

Requirements: 

• Strong foundation in statistics and machine learning.
• Strong hands-on experience with Python and SQL.
• Hands-on experience with Python ML and data frameworks such as Pandas, NumPy, scikit-learn, TensorFlow/Keras, Dask, Matplotlib, Boto3 SageMaker Python SDK, and Horovod.
• Strong data analysis, hypothesis-generation, and problem-solving skills.
• Experience with standard supervised and unsupervised ML techniques.
• Experience with anomaly detection techniques such as Isolation Forest and Autoencoders.
• Experience building and deploying production ML solutions.
• Working knowledge of data engineering and real-time / batch inference environments.
• Strong communication and stakeholder-management skills.
• Ability to lead technical work and guide cross-functional teams.

Good to Have: 

• Experience in fraud detection or risk modelling.
• Experience with Graph Neural Networks.
• Exposure to real-time systems, streaming features, and low-latency data stores.
• Experience in AdTech, e-commerce, gaming, mobile applications, or similar high-volume consumer platforms.

About the company

We are an AI diffusion company. We partner with midmarket companies in asset-heavy, regulated industries to co-build deeply industry-specific agentic and machine learning solutions, which then get diffused across the industry through revenue-share and equity-linked models.

Our Past

We have built and sold two companies, one of which was an AI company. Our founders and leaders are Math PhDs, Ivy League University Alumni, Ex-Googlers, and successful entrepreneurs.

Team

Our team of 20+ employees consists of data scientists, AI/ML Engineers, and mathematicians from top engineering and research institutes such as IITs, CERN, IISc, UZH. Our team includes academicians, IBM Research Fellows, and former founders. This role focuses on healthcare and RCM, working alongside our AI/ML engineers, data scientists and domain specialists.

Key Responsibilities

• Lead product ideation, solution design, and technical strategy from concept to execution.
• Drive end-to-end product development, translating business needs into scalable technical solutions.
• Build and lead engineering teams to deliver high-impact products.
• Design and develop robust data systems to process and structure unorganized data from ERP/CRM platforms.
• Leverage AI and domain expertise in healthcare/RCM to build innovative solutions.
• Drive technology-led growth, with a focus on product scalability and business outcomes.

\Required Skills & Experience

• 15–20 years of experience in technology leadership, preferably as a CTO or senior technology leader.
• Proven experience building and/ or exiting startups.
• Strong expertise in data engineering, complex data systems, and unstructured data processing.
• Experience with AI-driven products, preferably in healthcare or Revenue Cycle Management (RCM).
• Strong product thinking, system design, architecture, and end-to-end execution capabilities.
• Ability to translate business requirements into technical roadmaps and scalable products.

Associate Product Manager TAP INVEST

Location: Bangalore · On-site, 5 days/week in office

Experience: 1–3 years, in Product, Analytics, or Consulting Function:

Product Management

About Tap Invest

Tap Invest is India's leading Fixed Income Investment Platform, committed to empowering investors with secure and smart investment opportunities. Join us in the pursuit of Financial Freedom through our innovative approach to wealth creation. The Role As a Associate Product Manager at Tap Invest, you will own end-to-end product structure for your area - from framing the problem to shipping and measuring the outcome. You'll drive growth-centric features that move core metrics, and lead the infrastructural and platform changes that let the product scale reliably.

What You'll Do → Own end-to-end product structure — from problem framing and scoping to shipping and measuring outcomes. → Build growth-centric features that move activation, engagement, and retention metrics. → Lead infrastructural and platform changes needed to scale the product reliably. → Work closely with engineering, design, and stakeholders to turn strategy into shipped product. → Build high-impact product experiences that help users make smarter investment decisions. → Own outcomes, not just features or sprints. → Tackle complex, ambiguous problems across investments, user engagement, and more.

What We're Looking For → 1–3 years of experience in Product Management, Analytics, or Consulting. → Strong hands-on SQL skills — comfortable pulling and interpreting data independently. → Proven ability to scope problems and write clear PRDs from ambiguous inputs. → A strong sense of ownership — you drive things to closure without being told to. → Ability to lead with clarity, aligning engineering, design, and stakeholders around a shared plan. → Strong with data — comfortable using it to prioritize, validate, and course-correct.

Good to Have → Prior experience in Fintech or BFSI — a strong plus.  

Data Science Engineer – Python, SQL, Statistics & Machine Learning

Company: Talview

Experience: 3–5 years

Location: Bengaluru, Karnataka

Work Mode: Work from Office, with some flexibility

Work Week: 5 days

About Talview

Talview builds AI-powered hiring and assessment solutions for enterprise organisations. Our products support candidate screening, interview scheduling and online exam proctoring, helping teams improve efficiency and make better-informed decisions.

Role Overview

We are looking for a Data Science Engineer with strong hands-on experience in Python, SQL, statistics and classical machine learning, along with experience working on GenAI and Large Language Models (LLMs).

You will work across data processing, statistical analysis, experimentation, model development, evaluation and production AI/ML workflows. You will collaborate with Engineering and Product teams to translate business problems into measurable data science solutions.

This role requires practical experience in classical ML and statistics, beyond working only with LLM APIs or prompt engineering.

Roles and Responsibilities

• Develop complex SQL queries for data extraction, transformation, analysis and validation.
• Use Python for data processing, exploratory data analysis, automation and reusable experimentation utilities.
• Apply statistical analysis, hypothesis testing and experimental design to evaluate business and product outcomes.
• Develop and evaluate machine learning models using appropriate metrics and clearly defined success criteria.
• Build LLM workflows involving prompting, structured outputs and comparative evaluation of models and configurations.
• Create evaluation datasets, benchmarks, sampling strategies and ground-truth validation approaches.
• Perform error analysis and root-cause analysis to identify model failures, anomalies and performance degradation.
• Analyse production data and troubleshoot data, model and pipeline issues.
• Integrate data from APIs, databases and other structured and unstructured sources.
• Collaborate with Engineering and Product teams on ML pipelines, evaluation frameworks and inference workflows.
• Research and test techniques to improve AI/ML system performance.

Required Skills and Experience

• 3–5 years of relevant experience in Data Science, Machine Learning, AI or a related field.
• Strong hands-on Python programming skills.
• Strong SQL skills for complex querying, data transformation and analysis.
• Solid understanding of statistics, hypothesis testing, experiment design and performance measurement.
• Practical experience developing and evaluating classical machine learning models.
• Experience with LLMs, prompting, structured outputs and evaluation.
• Experience defining evaluation metrics, benchmarks and error-analysis approaches.
• Ability to work with APIs, databases and structured and unstructured datasets.
• Strong analytical and problem-solving skills.
• Ability to explain technical decisions, interpret results and communicate findings to stakeholders.

Preferred Skills

• Experience designing end-to-end ML or LLM workflows.
• Experience with dataset creation, sampling, annotation and ground-truth validation.
• Experience analysing production AI/ML systems and debugging model or pipeline issues.
• Experience building reusable experimentation and evaluation frameworks.

Key Skills

Python, SQL, Data Science, Statistics, Machine Learning, Classical ML, Hypothesis Testing, Experimental Design, Model Evaluation, Exploratory Data Analysis, GenAI, Large Language Models, LLM Evaluation, Error Analysis

▌ ABOUT BXI WORLD

At BXI (Barter Exchange of India), we have reinvented the age-old concept of bartering for the modern Indian enterprise. We empower businesses to let their goods and services work for them — transforming inventory into a powerful engine for growth. Our digital marketplace connects you with 10+ categories of products and services available for exchange from over 100+ trusted brands. BXI is a business community where reputed organizations join to exchange goods and services, creating a vibrant marketplace where businesses trade without cash.

▌ ABOUT THE ROLE

We are looking for a Finance & Accounts Manager who is not just a numbers person, but a strategic finance partner who can drive analytical rigour, compliance, and financial excellence across BXI. You will own FP&A, MIS, P&L, and ensure our financial operations are audit-ready and growth-aligned — with specific exposure to fintech product workflows.

▌ KEY SKILLS

 FP&A  |   MIS  |   P&L Management  |   Financial Accounting  |   Audit & Compliance  |   KYC & Onboarding  |   Fintech  |   Analytical Thinking 

▌ WHAT YOU'LL DO

•    Lead FP&A (Financial Planning & Analysis) — budgeting, forecasting, and variance analysis

•    Prepare and present MIS reports — timely, accurate, and decision-ready

•    Own P&L management — monitor performance, flag risks, and drive cost efficiencies

•    Manage financial accounting including ledgers, reconciliations, and month-end close

•    Support brand KYC and onboarding processes as relevant to fintech compliance

•    Lead audit readiness and ensure compliance with all regulatory and statutory requirements

•    Liaise with online product teams for finance integration in fintech workflows

•    Drive analytical insights from financial data to support leadership decision-making

•    Coordinate with auditors, banks, and regulatory bodies as required

▌ WHAT WE'RE LOOKING FOR

•    3+ years of experience in finance and accounts, preferably in fintech or tech-driven companies

•    Strong expertise in FP&A — financial modelling, budgeting, and forecasting

•    Hands-on experience in MIS preparation and P&L management

•    Solid understanding of financial accounting principles and practices

•    Prior exposure to online product environments in fintech is highly preferred

•    Working knowledge of brand KYC, onboarding compliance, and audit processes

•    High analytical acumen — ability to interpret data and communicate insights clearly

•    Proficiency in accounting software and MS Excel (advanced level)

•    Inter CA / MBA Finance / CMA preferred

Job Summary

The Data Scientist / Analyst Consultant will design, develop and deploy advanced analytics and AI/ML models to detect fraud, waste and abuse across the AB PM-JAY ecosystem. The role involves working with large volumes of claims, beneficiary, provider and transaction data, engineering fraud features, building and validating detection triggers, and converting model outputs into investigation-ready suspicious claims and cards. The Data Scientist will build triggers using advanced analytics techniques including NLP, OCR, Social Network Analysis and deep learning, support their validation with the National Anti-Fraud Unit (NAFU), and continuously improve model efficacy based on feedback and confirmed fraud outcomes.

Key Responsibilities

• Design, develop and deploy statistical and machine learning models for fraud, waste and abuse detection on scheme claims and card data.

• Perform advanced data analytics including clustering, classification, profiling, anomaly detection, predictive modelling, scoring, regression, link prediction, co-occurrence grouping, similarity matching and causal modelling.

• Develop fraud detection triggers using advanced analytics techniques such as NLP, OCR, Social Network Analysis and deep learning, and document trigger construct, logic and thresholds for review and approval.

• Apply both supervised and unsupervised learning approaches, training models on labelled historical fraud data and scheme ecosystem data.

• Conduct data profiling, quality assessment, cleaning, standardisation and feature engineering to create analysis-ready datasets.

• Execute triggers and models on claim and card data within defined turnaround timelines and generate case-level suspicious output with trigger reasons and evidence fields.

• Validate model outputs, assess false positive risk, calibrate thresholds and measure trigger efficacy against defined performance benchmarks. • Fine-tune and retrain models on the basis of subsequent events, reviewer feedback and confirmed fraud outcomes.

• Collaborate with medical experts, business analysts, subject matter experts and technology teams to translate domain knowledge and clinical rules into executable analytical logic.

• Prepare model documentation, trigger submission packs, dashboards and reports for internal review committees and client-facing evaluations. 

Preferred Skills

• Experience in healthcare analytics, health insurance claims analytics or fraud, waste and abuse detection.

• Experience in fraud analytics roles with a proven track record of developing and implementing fraud detection models and strategies.

• Knowledge of AB-PMJAY / health benefit packages / claims adjudication workflows.

• Exposure to Social Network Analysis, graph analytics or link analysis for collusion and network detection.

• Familiarity with OCR, image analytics and document forgery or duplication detection.

• Experience with model deployment, versioning and MLOps practices.

• Exposure to dashboarding and BI tools such as Power BI, Tableau or equivalent. 

Experience

• Minimum 5 years of experience in analytics and managing big data, out of which at least 3 years in developing AI/ML models.

• Demonstrable credentials of having worked on and developed AI/ML models independently.

• Experience in fraud analytics, anomaly detection or risk modelling will be preferred.

• Experience in healthcare, health insurance or government health scheme data will be an added advantage.

We are looking for a rigorous, systems-minded quantitative leader to own our core commercial intelligence engine end-to-end. This is not a traditional dashboard-building or BI reporting seat. You will define, build, and encode the mathematical logic, unit-economic models, and predictive forecasting systems that power our product and drive real commercial decisions for our brands.

You will sit at the intersection of finance, data science, and product engineering, turning complex commercial data, messy founder inputs, and predictive models into defensible, automated product logic and AI agent workflows.

Key Accountabilities

1. Proprietary Systems: Growth Forecasts & P&Ls

• Growth Forecasting: Build and own the methodology that takes a brand’s current performance and projects a defensible 12-month forecast, complete with a rigorous assumption set.
• Financial Architecture: Construct brand-level P&Ls directly from the forecast, mapping revenue, COGS, contribution margin, and operating costs.
• Variance & Calibration: Continuously run models against real outcomes, measure errors, track actuals against projections, and explain every variance.

2. Productization & Agentic Workflow Design

• Product Logic: Translate sophisticated financial and statistical models into production-ready product logic so the system calculates and delivers outputs natively.
• AI Agent Specification: Define what data agents compute, what internal data/benchmarks they draw on, and what assertions they are strictly barred from making.
• Human-in-the-Loop Orchestration: Replace manual validation with automated product rules while establishing clear review gates for human sign-off before deliverables ship.
• Data Schemas & Engineering Collaboration: Specify data structures, validation rules, and pipelines across structured commercial inputs, partnering directly with engineering to bring models to life in production.

3. Decision Framing & Commercial Rigor

• Decision-First Modeling: Design every analysis backwards from the specific commercial decision it is meant to change.
• Uncertainty & Stated Confidence: Size uncertainty statistically, state clearly what sparse or self-reported data cannot support, and attach a stated confidence level to every output.
• Benchmark Library Management: Define and version the benchmark repository (category, stage, market) to evaluate brands accurately even when data is sparse.

4. Enablement & Commercial Communication

• Cross-Functional Communication: Present complex numbers, models, and uncertainties to founders and operators with clarity and authority.
• Quantitative Literacy: Raise the analytical bar across the business by teaching teams how to read and interpret model outputs correctly.
• Documentation & Standards: Write airtight documentation and standards for data/finance deliverables so cross-functional delivery teams can execute autonomously.

What This Seat Is Not

• Not a BI/Reporting Seat: Dashboards are merely one downstream output of this work; your primary focus is proprietary modeling and product architecture.
• Not Research Without Action: We judge models by the decisions they actually changed, not academic complexity.
• Not a Data Engineering Seat: You will specify pipelines, schemas, and logic for engineering to build—you won't be maintaining core infrastructure tables yourself.

Ideal Background & Qualifications

Must-Haves

• Experience: 6–8 years in growth, marketing, commercial, or product analytics within DTC, e-commerce, marketplaces, or specialized platforms.
• Proven Track Record: End-to-end ownership of a forecasting, unit-economics, or media-mix model that commercial teams relied on for high-stakes budget or strategic decisions. You can name the decisions your model changed and what followed.
• DTC Unit Economics Mastery: Deep fluency in CAC, AOV, COGS, contribution margin, LTV, payback period, breakeven, retention cohorts, and working capital reconciliation.
• Modelling with Incomplete Data: Demonstrated ability to build robust outputs from banded, self-reported, or partial founder inputs while explicitly quantifying confidence levels.
• Statistical Rigor: Strong foundation in sizing uncertainty, managing sample limitations, and maintaining analytical integrity.
• Technical Depth: Hands-on daily fluency in SQL and Python.
• Product & Engineering Collaboration: Experience working directly with engineering teams to turn quantitative models or metric definitions into production software.
• Communication: Exceptional presence and ability to defend underlying assumptions and model uncertainty under direct challenge.

Nice-to-Haves

• Media mix modeling (MMM), incrementality testing, or causal measurement methodologies.
• Applied machine learning experience (forecasting, propensity, or segmentation models in production).
• Experience evaluating generative AI or multi-agent system outputs.
• Familiarity with modern data stack layers (Snowflake, BigQuery, dbt) and attribution platforms (Triple Whale, Northbeam, Rockerbox).
• Exposure to multi-brand ecosystems via agency, consulting, or platform environments.
• Experience in early-stage product environments where models and products were co-developed from scratch.