Data ScienceThe 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
- Build and maintain credit scorecards and models for FTB and Repeat Borrowers (Xgboost, Random forest, Support Vector Machine Models, ensemble models, challenger models).
- 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).
- Design, validate, and ship Models: hard rejects, soft flags, amount caps — with clear lift/capture
/ approval trade-offs.
- Own portfolio risk analytics: vintage / DPD / non-starter / POS bad-rate monitoring; propose tier pauses, cool-offs, and ladder-up changes.
- Build fraud signals (device, SIM/OTP, mule, ring, post-disbursal disappearance) and help prioritise the fraud PRD backlog into production.
- Partner with engineering to productionise features, rules, and models (Watchtower-style shadow underwriting, policy index, monitoring dashboards).
- 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.
Shubham Vishwakarma
Full Stack Developer - Averlon
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Position: Product Engineer
Department: Research & Development / Engineering
Location: Noida
Employment Type: Full-Time
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Reports to: Head of Product / CTO
About Us
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We are looking for a passionate and hands-on Product Engineer to join our core team and lead the design, development, and continuous improvement of our water filtration products.
Role Overview
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This role is ideal for someone who enjoys solving real-world problems, working with their hands in the lab and the field, and seeing their work directly impact communities.
Key Responsibilities
1. Product Design & Development
- Design and develop mechanical and physical components and assemblies for non-electric water filtration devices (tap attachments, gravity filters, etc.)
- Experience in making granules of various sizes from powdered material.
- Create 3D models, engineering drawings, and Bill of Materials (BOM) using CAD software (SolidWorks, Fusion 360, or equivalent)
- Select appropriate materials (food-grade plastics, metals, filtration media) considering cost, durability, safety, and manufacturability
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2. Prototyping & Testing
- Build and test functional prototypes in-house and with external partners
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3. Vendor Coordination & Manufacturing Support
- Work with local and national suppliers for sourcing components (membranes, carbon blocks, plastic mouldings, brass fittings)
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- Travel to manufacturing sites as needed for technical support
Qualifications & Skills
Essential
- Bachelor's or Master’s degree in Material Engineering, Mechanical Engineering, Product Design, or related field
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- Strong understanding of manufacturing processes: injection moulding, machining, sheet metal, and assembly
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- Strong analytical and problem-solving mindset
- Excellent communication and documentation skills
Desirable
- Prior experience in water filtration, consumer appliances, or fluid handling systems
- Proficiency in CAD software (SolidWorks, AutoCAD, Fusion 360)
- Willingness to travel to field locations and manufacturing units (20-30% travel)
Personal Attributes
- Problem-solver: You enjoy tackling technical challenges and finding simple, elegant solutions
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- Adaptable: You thrive in a fast-paced startup environment where priorities can shift
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Roles and Responsibilities
*Represent the company to prospective clients, explaining the services Offered, Identity Potential clients establishing connections
through email, or sending promotional brochures periodically to prospects.
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Desired Candidate Profile:
* Must have 3 years of Experience in business development or a similar role Experience in the management consulting industry or a related field strong presentation skills.
* Including proficiency in power point and other presentation tools and excellent
written and verbal communication skills in English.
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operations and financial management proven track record of meeting or exceeding sales targets and goals.
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Company: Indian retail sweet and snacks brand
Location: Lawrence Road Industrial Area, Delhi
Work Mode: Hybrid
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- Comfort working with data, analytics dashboards, and product performance metrics
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- Long-term wealth creation through ESOP participation
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2 ) Collaborate with Cross-Functional Teams: Work closely with stakeholders, including product managers, engineers, and marketing teams, to understand project requirements and translate them into effective design solutions.
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● Design, develop and maintain various Bioinformatics solutions for analyzing and managing Biological data as per our best practices and quality standards.
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● Identify and/or conceive novel approaches to better and more efficiently analyze client and public datasets.
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● Coach other team members by sharing domain and technical knowledge and code reviews.
● Participate in activities such as hiring and onboarding.
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What do you bring to the table?
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● Experience with Relational database such as PostgreSQL, mySQL or Oracle
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- Bachelors degree ongoing/passout.
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Bonus points if you
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PHP- 3+ years of experience with LAMP stack: Linux, Apache, MySQL, PHP
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- Java/Python experience will be a Plus.
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Python
Django
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Javascript
React.jsHouseItt is a student-run start up recognized by the start-up India initiative by the
Government of India. It provides student residences across and around Delhi University
colleges. It provides easy to book, better service, and affordable rental homes to students
within the campus and thrives on building a robust support system for handling student
accommodations. It bridges the gap between the demand (students looking for PGs/Flats)
and supply (owners) of rentals.
JOB PROFILE: BACKEND DEVELOPER (FULL-TIME JOB)
REQUIREMENTS:
• Good knowledge of MongoDB or framework like Django (Python).
• Proficient in MySQL, PostgreSQL.
• Proficient understanding of Git & Github.
• Knowledge of user authentication and authorization between multiple systems, servers,
and environments.
• A solid understanding of how Web Apps work including security and session
management.
• Adequate knowledge of relational database systems and OOPconcepts.
• Experience with testing tools like Sentry.
• Ability to learn and research about things you don't know.
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TENURE: Full-time job
LOCATION: Work from Home
SALARY: Rs. 20000/- to Rs. 25000 (IN HAND)
BENEFITS:
• Certificate of Experience
• Letter of Recommendation
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Full Stack Developer - Averlon