Data Scientist

REVIEW CRITERIA:

• Strong Credit & Risk strategist profile
• Must have 2.5+ years of experience as credit and risk strategist/analyst in unsecured personal loan in B2C Fintech Product Companies (or NBFC)
• Must have strong understanding of automated underwriting and SMS underwriting for lending
• Must have experience with scorecards, rule engine, bureau data, device signals and behavioural insights
• B2C Fintech Product companies 

ROLE & RESPONSIBILITIES:

We are looking for a Credit & Risk Lead who can craft smart, data-driven credit strategies to scale the app while keeping delinquencies low.

WHAT YOU’LL DO:

• Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans.
• Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models.
• Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.
• Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies.
• Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates.
• Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.
• Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals.
• Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.
• Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready.

IDEAL CANDIDATE:

• 2.5+ years in unsecured personal loan risk within a fintech or NBFC.
• Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL.
• Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights.
• Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.
• Strong communication, cross-functional collaboration, and a proactive, analytical mindset.

PERKS, BENEFITS AND WORK CULTURE:

• Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.
• Best of both worlds: startup energy + listed company stability.
• Competitive pay and fast-track growth.

Key Responsibilities – Taxation & Financial Reporting

1. Income Tax

Preparation and filing of corporate/individual income tax returns.

Computation of advance tax and self-assessment tax.

Handling TDS calculations, payments, returns, and reconciliations.

Coordinating with tax consultants and managing income tax assessments/notices.

Ensuring compliance with all direct tax regulations.

2. GST Compliance

Preparation and filing of GST returns (GSTR-1, GSTR-3B, annual returns).

Reconciliation of GSTR-2A/2B with purchase registers.

Managing input tax credit (ITC) reconciliation and optimization.

Handling GST audits, notices, and departmental queries.

Ensuring timely payment of GST liabilities.

3. Balance Sheet & Financial Statements

Finalization of Balance Sheet, Profit & Loss Account, and Cash Flow Statements.

Month-end and year-end closing activities.

Ledger scrutiny and reconciliation of all major accounts.

Provisioning, accruals, and depreciation calculations.

Coordinating with statutory auditors for financial statement finalization.

Be the client’s go‑to

• Act as the first point of contact for everyday questions. Pull in the CEO/CTO/Partner only when needed.
• Send regular, clear updates. Set next steps and dates. Nudge gently but firmly for client deliverables (lists, approvals, sign‑offs).
• Run friendly product demos and help clients self‑serve so they’re not stuck waiting on us.
• Answer “how does this work?” in plain English. When there’s a request, document it and report to the Product team.
• QA runs and dashboards before sharing. Check data accuracy, consent, and eligibility.

Run studies smoothly

• Set up the essentials (WhatsApp/Meta Business, channels, permissions) with the tech team.
• Create and maintain simple templates for conversations, cohorts, outreach, and updates.
• Manage cohorts: load lists, schedule, monitor response health, fix issues, and rerun if necessary.

Huge Plus: Ability to learn and apply new tools regularly.

Position: Content/ Creative Writer

Location: Nigdi, Pune- Onsite 

We are looking for a passionate Content Writer with a flair for creativity and storytelling. This role goes beyond routine blogs and articles, we want someone who can bring ideas to life, craft compelling narratives, and create content that resonates with diverse audiences. To be successful as a content writer, you should keep abreast of the latest SEO techniques.

Job Responsibilities:

• Developing content for blogs, articles, product descriptions, social media, and the company website.
• Editing, polishing content for existing success stories and technological adventures to improve readability.
• Designing marketing strategies in developing content for advertising campaigns on social media. (Facebook, LinkedIn, etc)
• Proofreading content for errors and inconsistencies.
• Conducting keyword research and using SEO best practices to increase traffic to the company website.
• Creating compelling headlines and body copy that will capture the attention of the target audience.
• Identifying customers’ needs and recommending new content to address gaps in the company's current content.
• The candidate should have a good sense of design and visualization while curating content.

Requirements:

• Bachelor's degree in communications, marketing, English, journalism, or related field.
• Proven content writing, blog writing or copy writing experience.
• A portfolio of published articles/blogs.
• Proficient in LinkedIn articles, posts.
• Excellent writing and editing skills.
• Should have experience in creative writing and story telling.                                                                                                                                                            

About company- Mechsoft Digital Technologies Pvt. Ltd. Founded & headed by IIT Bombay graduate. Product development company with 20+own products. International clientele with fortune 500 companies as clients. Enterprise products implemented across 25 countries 35K+ users. The Mechsoft Rule Engine product was selected among 50 top innovations with its own Scripting Language, own compiler and Interpreter.

Visit the company's website link to know more - https://mechsoftgroup.com/

• Define and lead strategic performance projects, manage stakeholders to drive outcomes.
• Analyzing and presenting key MIS reports for Management review
• Lead business planning for including formulation of annual, monthly and daily plans on key
• performance metrics.
• Driving the strategic initiatives of the company as per the CEO's agenda
• Studying & improvising the operation processes of the company.
• Drive business performance insights working closely with the sales, marketing, growth &analytics teams
• Create strategic value-added analyses around growth opportunities, retention levers and core
• business metrics in order to drive better decision making and results
• Conduct ongoing analysis of key business drivers, trends and performance.