SAS Developer

The Role

Own end-to-end credit & fraud data science: feature engineering from raw bureau JSON ,SMS,DEVICE, scorecard / model development, Business Rule Engine (BRE) design, monitoring, and partnering with product/engineering to put rules live. You will work directly with the existing DS team,Tech,product and founders — decisions are data-backed and debated.

What you will own

1. Build and maintain credit scorecards and models for FTB and Repeat Borrowers (Xgboost, Random forest, Support Vector Machine Models, ensemble models, challenger models).
2. Engineer features from raw CRIF (or equivalent) bureau JSON — tradelines, enquiries, DPD histories, identity matches — and from raw SMS / FinBox alt-data (collections, rejections, salary, app footprint).
3. Design, validate, and ship Models: hard rejects, soft flags, amount caps — with clear lift/capture

/ approval trade-offs.

1. Own portfolio risk analytics: vintage / DPD / non-starter / POS bad-rate monitoring; propose tier pauses, cool-offs, and ladder-up changes.
2. Build fraud signals (device, SIM/OTP, mule, ring, post-disbursal disappearance) and help prioritise the fraud PRD backlog into production.
3. Partner with engineering to productionise features, rules, and models (Watchtower-style shadow underwriting, policy index, monitoring dashboards).
4. Challenge and refine existing tier/ladder policy with evidence; communicate clearly to founders and business.

Required experience

• Tenure: 5+ years overall experience in data science/analytics.
• Digital lending: Minimum 3 years hands-on in digital lending/consumer credit (NBFC, fintech lender, digital/STPL/) who has built models themselves.
• Scorecards/models: Built and deployed at least one credit scorecard (first-time borrower or repeat borrower, or combined model) into a live BRE / LOS. Should improve approval–bad-rate trade-offs from production experience.
• Bureau: Parsed and engineered features from raw bureau files (CRIF / CIBIL / Experian JSON or XML) — not only vendor-precomputed attributes.
• Non-starter models: Fraud/non-starter / First Payment default modelling experience in short-tenure lending.
• Limit Assignment: Experience with repeat-borrower ladder / limit-management policies.
• Monitoring and QC: Shadow underwriting/champion–challenger frameworks.
• Alt-data: Worked with SMS / alt-data / device / AA signals for underwriting or fraud (FinBox, similar vendors, or in-house SMS parsing).
• Stack: Strong SQL + Python (pandas, sklearn/Logistic / lightgbm/Xgboost/randomforest, statsmodels). Able to write production-quality notebooks and scripts, not just slide decks.
• Communication: Comfortable debating policy with founders/credit heads using data; owns the "show me the evidence" conversation.

Nice to have:

• Feature stores, Airflow/cron pipelines, S3 + Postgres + DynamoDB.
• Prior Experience: Prior work at a zero-to-one digital lender or STPL product.

What success looks like in 6 months

• A documented feature dictionary from raw bureau + SMS with IV/KS ranking.
• At least one new scorecard/model live with clear expected vs observed bad-rate impact.
• Non-starter / First Payment Defaults monitoring with actionable rule recommendations and clear demonstrated improvements in defaults
• Credible pushback on weak policy ideas — backed by analysis, not opinion.

We are looking for a Data Scientist to turn data into models and insights that drive business decisions.

Responsibilities

• Build predictive and statistical models
• Analyse large datasets with Python and SQL
• Design experiments and measure impact
• Present findings clearly to business teams

Requirements

• 1+ years in a data science role
• Strong Python, Pandas and statistics
• Experience with scikit-learn or similar ML libraries

Strong Data Analyst Profile with advanced Excel and SQL expertise

2

Mandatory (Experience 1): Must have 4+ years of overall experience as a hands-on Data Analyst

3

Mandatory (Tech skill 1): Must be highly proficient in advanced Excel — complex functions, macros, calculations, and pivots

4

Mandatory (Tech skill 2): Must have strong hands-on SQL and a good understanding of relational database concepts

5

Mandatory (Tech skill 3): Must be able to automate routine tasks using Python (for automation purposes)

6

Mandatory (Skill 1): Must have exceptional analytical, problem-solving, and logical skills, with strong attention to detail and accuracy

7

Mandatory (Skill 2): Must be able to understand complex data and business logic and convert it into a model (the role models complex utility tariffs, rates, and programs)

8

Mandatory (Communication): Must have strong verbal and written communication, able to work independently with India- and US-based team members and articulate problems and solutions over calls and email.

9

Mandatory (Location): Must be based locally in Pune (or the nearby Maharashtra belt — Mumbai, Nagpur), as the final round is in person

10

Preferred (Domain): Experience in the Energy/Utility industry and familiarity with basic utility (electrical/gas) tariff concepts

At Nineleaps, we work on bleeding-edge technology with class-leading engineering practices on products that touch the lives of millions of users. We endeavor on doing things the right way, while also promoting a culture of excellence.

About the Role:

We are looking for a Data Analyst with strong analytical and problem-solving skills to transform complex data into meaningful, actionable business insights. The role involves working with large datasets, conducting deep-dive analysis, driving automation, and supporting data-driven product and business decisions.

Key Responsibilities:

• Analyse historical and large datasets to understand data sources, identify trends and patterns, and uncover meaningful insights.
• Write complex SQL queries and leverage Python to perform data analysis, ad hoc investigations, and solve business problems.
• Create reports and translate analytical findings into clear, concise, and actionable recommendations for stakeholders.
• Identify opportunities to drive automation and process improvements, improving efficiency and reducing manual effort.
• Communicate data-driven insights effectively to both technical and non-technical stakeholders in a clear and impactful manner.
• Maintain accurate documentation, ensure high-quality deliverables, and consistently meet defined timelines.

Requirements:

• 3–6 years of experience in Data Analytics, Business Intelligence, Data Engineering, or a similar analytical role.
• Strong hands-on expertise in Python and advanced SQL, with the ability to work with and analyse large datasets.
• Experience working with Google Sheets, and implementing automation through data pipelines or workflows.
• Strong analytical and problem-solving skills, with the ability to interpret complex data and derive actionable insights.
• Excellent communication skills with the ability to effectively present methods, results, and recommendations to stakeholders.
• Ability to collaborate effectively with remote and geographically distributed teams across different time zones.

Company Link: https://www.nineleaps.com/

Company LinkedIn: https://www.linkedin.com/company/nineleaps/

We are hiring a Product Analyst to help product teams make data-driven decisions.

Responsibilities

• Analyse product usage, funnels and retention
• Design and analyse A/B tests
• Build dashboards for product teams
• Turn data into clear recommendations

Requirements

• 1+ years in product or data analytics
• Strong SQL skills
• Experience with Mixpanel, Amplitude or similar tools

We’re looking for a dynamic and driven Data Analyst to join our team of technology enthusiasts. This role is crucial in transforming data into insights that support strategic decision-making and innovation within the insurance technology (InsurTech) space. If you’re passionate about working with data, understanding systems, and delivering value through analytics, we’d love to hear from you.

What We’re Looking For

• Proven experience working as a Data Analyst or in a similar analytical role
• 5+ Years of experience in the field
• Strong command of SQL for querying and manipulating relational databases
• Experience with Power BI for building impactful dashboards and reports
• Familiarity with QlikView and Qlik Sense is a plus
• Ability to communicate findings clearly to technical and non-technical stakeholders
• Knowledge of Python or R for data manipulation is nice to have
• Bachelor’s degree in Computer Science, Statistics, Mathematics, Economics, or a related field
• Understanding of the insurance industry or InsurTech is a strong advantage

What You’ll Be Doing:

• Delivering timely and insightful reports to support strategic decision-making
• Working extensively with Policy Administration System (PAS) data to uncover patterns and trends
• Ensuring data accuracy and consistency across reports and systems
• Collaborating with clients, underwriters, and brokers to translate business needs into data solutions
• Organizing and structuring datasets, contributing to data engineering workflows and pipelines
• Producing analytics to support business development and market strategy

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.

We are looking for a detail-oriented and analytical Data Analyst to join our team. The ideal candidate will be responsible for collecting, analyzing, and interpreting data to identify trends, generate insights, and support business decision-making.

The candidate should be comfortable working with large datasets, creating reports and dashboards, and communicating findings clearly to business stakeholders.

Key Responsibilities

• Collect, clean, organize, and analyze data from multiple sources.
• Identify trends, patterns, anomalies, and business opportunities from data.
• Create dashboards, reports, and visualizations for business teams.
• Track and report key performance indicators (KPIs).
• Perform ad-hoc analysis to support business and management decisions.
• Develop and maintain automated reports where possible.
• Work with stakeholders to understand reporting and analytical requirements.
• Ensure data accuracy, consistency, and quality.
• Present analytical findings in a clear and actionable manner.
• Maintain documentation for reports, dashboards, and data processes.

Sr.Data Scientist,Python, AI ML

We are looking for a skilled Data Scientist to analyze complex datasets, develop predictive models, and generate actionable insights that support business decisions. The ideal candidate should have strong statistical, analytical, and programming skills, along with hands-on experience in machine learning.

About VerbaFlo.ai:

VerbaFlo.ai is a fast-growing AI SaaS startup revolutionizing how businesses leverage AI-powered solutions. As a part of our dynamic team, you’ll work alongside industry leaders and visionaries to drive innovation and execution across multiple functions.

Role Overview:

We are seeking a Senior Business Data Analyst with strong experience in analytics, SQL, and dashboarding (preferably Metabase) who can independently lead complex analytical initiatives, translate business problems into scalable data solutions, and mentor junior analysts. This role demands someone who can think strategically, operate with high ownership, and ensure the company runs on accurate, timely, and actionable insights.

Responsibilities:

Strategic & Cross-Functional Ownership

• Partner with leadership (Product, Ops, Growth, Finance) to translate business goals into analytical frameworks, KPIs, and measurable outcomes.
• Influence strategic decisions by providing data-driven recommendations, forecasting, and scenario modeling.
• Drive adoption of data-first practices across teams and proactively identify high-impact opportunity areas.

Analytics & Dashboarding

• Own end-to-end development of dashboards and analytics systems in Metabase (or similar BI tools).
• Build scalable KPI frameworks, business reports, and automated insights to support day-to-day and long-term decision-making.
• Ensure data availability, accuracy, and reliability across reporting layers.

Advanced Data Analysis

• Write, optimize, and review complex SQL queries for deep-dives, cohort analysis, funnel performance, and product/operations diagnostics.
• Conduct root-cause analysis, hypothesis testing, and generate actionable insights with clear recommendations.

Data Infrastructure Collaboration

• Work closely with engineering/data teams to define data requirements, improve data models, and support robust pipelines.
• Identify data quality issues, define fixes, and ensure consistency across systems and sources.

Leadership & Process Excellence

• Mentor junior analysts, review their work, and establish best practices across analytics.
• Standardize reporting processes, create documentation, and improve analytical efficiency.

Core Requirements:

• 5–8 years of experience as a Business Analyst, Data Analyst, Product Analyst, or similar role in a fast-paced environment.
• Strong proficiency in SQL, relational databases, and building scalable dashboards (Metabase preferred)
• Demonstrated experience in converting raw data into structured analysis, insights, and business recommendations.
• Strong understanding of product funnels, operational metrics, and business workflows.
• Ability to communicate complex analytical findings to both technical and non-technical stakeholders.
• Proven track record of independently driving cross-functional initiatives from problem definition to execution.
• Experience with Python, Git, or BI tools like Looker/Power BI/Tableau.
• Hands-on with data warehouses (BigQuery, Redshift, Snowflake).
• Familiarity with product analytics tools (Mixpanel, GA4, Amplitude).
• Exposure to forecasting, financial modeling, or experimentation (A/B testing).

Why Join Us?

• Work directly with top leadership in a high-impact role.
• Be part of an innovative and fast-growing AI startup.
• Opportunity to take ownership of key projects and drive efficiency.
• A collaborative, ambitious, and fast-paced work environment.
• Perks & Benefits: gym membership benefit, workation policy, and company-sponsored lunch.

If you’re looking for an exciting role that combines strategy, execution, and leadership exposure, we’d love to hear from you!

Apply now to join VerbaFlo.AI on this journey.