Data Scientist – Machine Learning & AI (GenAI Focus)

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.

Job description

Qualifications

• Experience in expediting, project management, inspection, and logistics management
• Excellent communication and interpersonal skills
• Ability to work independently and be a self-starter
• Degree in Interior Design, Engineering, Business Administration, or related field
• Proficient with project management software and Microsoft Office suite
• Experience in the interior design or construction industry is preferred
• Ability to lead and manage teams

Requirements:

Looking for freshers.( B.E cvil eng)

Candidate should be in Bangalore.

Should be good in skills as AutoCad, Ms-Excel, Ms-Office.

Looking for Immediate joiners.

Interview mode will be face to Face.

Sr Software Engineer

Opportunity in this role / Why should you join our client?

- You are your own master. We don't preach you, we just allow you to Innovate, Iterate, Learn and Adapt

- Work with one of India's leading food tech unicorn company

- ESOPs in the company

Requirements

- Strong coding and problem-solving skills

- 4-6 years of industry experience

- Bachelors and/or master’s degree, preferably in CS, or equivalent experience

- A full-stack generalist with experience in both front-end and back-end technologies

- Experience in Node.

- Experience in JavaScript frameworks like React, NodeJS.

- Ability to write MySQL queries across tables

- Good architecture and system design skills

Roles and responsibilities

Passion for delivering products end-to-end, from ideation to implementation

Good knowledge of data structures and their use cases (Map, List, Tuple, Object, Interface)

Ability to write using node.js to quickly do a PoC.

Good to have knowledge of Reactjs.

Knowledge of encapsulation/inheritance

Basic knowledge of CSS and principle behind it and its use in javascript or jquery

Candidates willing to relocate to Middle East would be preferred

Responsibilities:-

Ø  Research, design, develop, and test blockchain technologies.

Ø  Brainstorm and help evaluate applications for new tools and technologies as they continually evolve.

Ø  Maintain and extend current client- and server-side applications responsible for integration and business logic.

Ø  Be involved in the global blockchain community—work on implementing and integrating the latest improvement proposals.

Ø  Document new solutions as well as maintaining that of existing ones.

Skills:-

Ø  Strong  software development background.

Ø  Experience working with large codebases.

Ø  Experience working with open-source projects.

Ø  Proficiency in one of the following languages: C++, Java, JavaScript ( Depending on the project ).

Ø  Strong  knowledge of common algorithms and data structures.

Ø  Familiarity with basic  cryptography.

Ø  Familiarity with P2P networks.

Ø  Strong knowledge of bitcoin-like blockchains.

Ø  Strong knowledge of concurrency and writing efficient and safe multithreaded code.

Ø  Strong knowledge of STL, C++11 ( In the case of a blockchain-based on C++ ).

Ø  Proficiency in the Qt Widgets module ( Applies to projects where a GUI wallet application is needed ).

Building products at BiCSoM is about turning dreams and ideas into lovable technology and design solutions. As a mindful member of the BiCSoM team you will create rule-breaking mobile applications and websites using Flutter and Dart, BLOC pattern and Redux. Large number of people across the globe use our products everyday, we take pride in wearing ‘Made with love in India’ on our sleeves.

What are we looking for?

1. We expect you to have your domain knowledge of Flutter, Dart, Room or Realm DB, BLOC pattern based development, Redux and RX Dart
2. There are few skills which you need to have from get-go:
1. You are a problem solver, polite and someone who values team members and customers
2. You respect time and understand, lost time never  comes back
3. You have the ability to explain your algorithms and solutions and understand how to ask questions with respect to mobile app development and web development scenarios
4. You are a smart and energetic talent from engineering and computer science background 
5. Based on the situations you can contribute individually or work with team and make work productive and fun
6. In terms of day to day work, for 2 years you should have done the following:
1. At least 2 to 3 live projects in Flutter or Native Android or iOS
2. Thorough understanding of Dart programming for mobile application development
3. Writing frontend code with SOLID principle
4. Unit testing of your code with Travis CLI
5. Collaborative development with BitBucket or GIT and handling of code merge conflicts
6. Documenting frontend code 
7. Knowledge of Android native and iOS native is a plus
8. Proficient in Linux,  and understanding of Ubuntu OS
9. Knowledge on Firebase or Firestore is a plus

1. Work location: Bengaluru city and Remote
2. Working days - 6 days a week

BiCSoM Technologies Private Limited is committed to breakthrough innovation and success for its team members. From our mindful culture of compassion and wisdom to passionate customer success philosophy, this is one awesome place to work! So come and experience what it takes to build digital products which are loved by millions of users across the globe. You will find speed, agility, fun and supportive culture where we are responsible for each other’s success. 

1. BiCSoM is a registered startup under the Startup India initiative of Government of India and a DIPP registered MSME
2. BiCSoM was recognized as one of the top AR/VR startups in India in 2018 in DCB Bank innovation carnival

Looking for a Java Technical Architect/ Java architect with experience between 10 to 14 years.

Candidate must have experience  in Java technologies along with SpringBoot and Microservices.
Must have experience in Cloud Technology - AWS.
Must have experience in Angular 4 or above version.

Note: 1. Candidate must be ready to work in night shift.
          2. Looking only for Tamilnadu based candidates.