Senior Data Scientist

The role is with a Fintech Credit Card company based in Pune within the Decision Science team. (OneCard )

About

Credit cards haven't changed much for over half a century so our team of seasoned bankers, technologists, and designers set out to redefine the credit card for you - the consumer. The result is OneCard - a credit card reimagined for the mobile generation. OneCard is India's best metal credit card built with full-stack tech. It is backed by the principles of simplicity, transparency, and giving back control to the user.

The Engineering Challenge

“Re-imaging credit and payments from First Principles”

Payments is an interesting engineering challenge in itself with requirements of low latency, transactional guarantees, security, and high scalability. When we add credit and engagement into the mix, the challenge becomes even more interesting with underwriting and recommendation algorithms working on large data sets. We have eliminated the current call center, sales agent, and SMS-based processes with a mobile app that puts the customers in complete control. To stay agile, the entire stack is built on the cloud with modern technologies.

Purpose of Role :

- Develop and implement the collection analytics and strategy function for the credit cards. Use analysis and customer insights to develop optimum strategy.

CANDIDATE PROFILE :

- Successful candidates will have in-depth knowledge of statistical modelling/data analysis tools (Python, R etc.), techniques. They will be an adept communicator with good interpersonal skills to work with senior stake holders in India to grow revenue primarily through identifying / delivering / creating new, profitable analytics solutions.

We are looking for someone who:

- Proven track record in collection and risk analytics preferably in Indian BFSI industry. This is a must.

- Identify & deliver appropriate analytics solutions

- Experienced in Analytics team management

Essential Duties and Responsibilities :

- Responsible for delivering high quality analytical and value added services

- Responsible for automating insights and proactive actions on them to mitigate collection Risk.

- Work closely with the internal team members to deliver the solution

- Engage Business/Technical Consultants and delivery teams appropriately so that there is a shared understanding and agreement as to deliver proposed solution

- Use analysis and customer insights to develop value propositions for customers

- Maintain and enhance the suite of suitable analytics products.

- Actively seek to share knowledge within the team

- Share findings with peers from other teams and management where required

- Actively contribute to setting best practice processes.

Knowledge, Experience and Qualifications :

Knowledge :

- Good understanding of collection analytics preferably in Retail lending industry.

- Knowledge of statistical modelling/data analysis tools (Python, R etc.), techniques and market trends

- Knowledge of different modelling frameworks like Linear Regression, Logistic Regression, Multiple Regression, LOGIT, PROBIT, time- series modelling, CHAID, CART etc.

- Knowledge of Machine learning & AI algorithms such as Gradient Boost, KNN, etc.

- Understanding of decisioning and portfolio management in banking and financial services would be added advantage

- Understanding of credit bureau would be an added advantage

Experience :

- 4 to 8 years of work experience in core analytics function of a large bank / consulting firm.

- Experience on working on Collection analytics is must

- Experience on handling large data volumes using data analysis tools and generating good data insights

- Demonstrated ability to communicate ideas and analysis results effectively both verbally and in writing to technical and non-technical audiences

- Excellent communication, presentation and writing skills Strong interpersonal skills

- Motivated to meet and exceed stretch targets

- Ability to make the right judgments in the face of complexity and uncertainty

- Excellent relationship and networking skills across our different business and geographies

Qualifications :

- Masters degree in Statistics, Mathematics, Economics, Business Management or Engineering from a reputed college

• Own the product analytics of bidgely’s end user-facing products, measure and identify areas of improvement through data
• Liaise with Product Managers and Business Leaders to understand the product issues, priorities and hence support them through relevant product analytics
• Own the automation of product analytics through good SQL knowledge
• Develop early warning metrics for production and highlight issues and breakdowns for resolution
• Resolve client escalations and concerns regarding key business metrics
• Define and own execution
• Own the Energy Efficiency program designs, dashboard development, and monitoring of existing Energy efficiency program
• Deliver data-backed analysis and statistically proven solutions
• Research and implement best practices
• Mentor team of analysts

• B.Tech from a premier institute with 5+ years analytics experience or Full-time MBA from a premier b-school with 3+ years of experience in analytics/business or product analytics
• Bachelor's degree in Business, Computer Science, Computer Information Systems, Engineering, Mathematics, or other business/analytical disciplines

• Proven analytical and quantitative skills and an ability to use data and metrics to back up assumptions, develop business cases, and complete root cause
  analyses
• Excellent understanding of retention, churn, and acquisition of user base
• Ability to employ statistics and anomaly detection techniques for data-driven
  analytics
• Ability to put yourself in the shoes of the end customer and understand what
  “product excellence” means
• Ability to rethink existing products and use analytics to identify new features and product improvements.
• Ability to rethink existing processes and design new processes for more effective analyses
• Strong SQL knowledge, working experience with Looker and Tableau a great plus
• Strong commitment to quality visible in the thoroughness of analysis and techniques employed
• Strong project management and leadership skills
• Excellent communication (oral and written) and interpersonal skills and an ability to effectively communicate with both business and technical teams
• Ability to coach and mentor analysts on technical and analytical skills
• Good knowledge of statistics, basic machine learning, and AB Testing is
  preferable
• Experience as a Growth hacker and/or in Product analytics is a big plus

Zycus is looking for applicants with a strong background in Analytics and Data mining (Web, Social and Big data), Machine Learning, Pattern Recognition, Natural Language Processing, Computational Linguistics, Statistical Modelling, Inferencing, Information Retrieval, Large Scale Distributed Systems, Cloud Computing, Econometrics, Quantitative Marketing, Applied Game Theory, Mechanism Design, Operations Research, Optimization, Human Computer Interaction and Information Visualization. Applicants with a background in other quantitative areas are also encouraged to apply.

We are looking for someone who can create and implement AI solutions. If you have built a product like IBM WATSON in the past and not just used WATSON to build applications, this could be the perfect role for you.

All successful candidates are expected to dive deep into problem areas of Zycus’ interest and invent technology solutions to not only advance the current products, but also to generate new product options that can strategically advantage the organization.

Roles & Responsibilities:

• Act as a technical thought leader in collaboration with the analytics leadership team, helping to set the strategy and standards for Machine Learning and advanced analytics
• Work with senior leaders from all functions to explore opportunities for using advance analytics
• Provide technical leadership, coaching, and mentoring to talented data scientists and analytics professionals
• Guide data scientists in the use of advanced statistical, machine learning, and artificial intelligence methodologies
• Guide the work of other Machine learning team members to provide support and assistance, while also ensuring quality

• Required to work individually or as part of a team on data science projects and work closely with lines of business to understand business problems and translate them into identifiable machine learning problems which can be delivered as technical solutions.
• Build quick prototypes to check feasibility and value to the business.
• Design, training, and deploying neural networks for computer vision and machine learning-related problems.
• Perform various complex activities related to statistical/machine learning.
• Coordinate with business teams to provide analytical support for developing, evaluating, implementing, monitoring, and executing models.
• Collaborate with technology teams to deploy the models to production.

Key Criteria:

• 2+ years of experience in solving complex business problems using machine learning.
• Understanding and modeling experience in supervised, unsupervised, and deep learning models; hands-on knowledge of data wrangling, data cleaning/ preparation, dimensionality reduction is required.
• Experience in Computer Vision/Image Processing/Pattern Recognition, Machine Learning, Deep Learning, or Artificial Intelligence.
• Understanding of Deep Learning Architectures like InceptionNet, VGGNet, FaceNet, YOLO, SSD, RCNN, MASK Rcnn, ResNet.
• Experience with one or more deep learning frameworks e.g., TensorFlow, PyTorch.
• Knowledge of vector algebra, statistical and probabilistic modeling is desirable.
• Proficiency in programming skills involving Python, C/C++, and Python Data Science Stack (NumPy, SciPy, Pandas, Scikit-learn, Jupyter, IPython).
• Experience working with Amazon SageMaker or Azure ML Studio for deployments is a plus.
• Experience in data visualization software such as Tableau, ELK, etc is a plus.
• Strong analytical, critical thinking, and problem-solving skills.

• B.E/ B.Tech./ M. E/ M. Tech in Computer Science, Applied Mathematics, Statistics, Data Science, or related Engineering field.
• Minimum 60% in Graduation or Post-Graduation
• Great interpersonal and communication skills