Data Scientist

Data Scientist
Gurugram
March 16, 2026
Full Time
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Job Description

We are looking for a highly analytical Data Scientist to join our growing Data Science & Analytics team. The ideal candidate will work on credit risk modeling, fraud detection, and growth analytics to help drive data-driven decisions within a fast-paced FinTech / NBFC environment.

This role involves analyzing large datasets, building machine learning models, and generating insights to improve underwriting, portfolio monitoring, and customer risk assessment.

Job Details

  • Role: Data Scientist
  • Industry Type: NBFC / FinTech
  • Department: Data Science & Analytics
  • Employment Type: Full Time, Permanent
  • Role Category: Data Science & Machine Learning

Key Responsibilities

Data Analysis & Modeling

  • Apply statistical analysis and machine learning techniques to solve business problems related to risk, fraud detection, and credit portfolio performance.
  • Build credit risk models for underwriting and portfolio monitoring using both traditional and alternative data sources.
  • Analyze large datasets to identify trends and insights that support business growth and operational efficiency.

Data Engineering & Processing

  • Work with large-scale datasets across distributed data systems.
  • Build and maintain datasets to support analytics and reporting.
  • Handle data stored across platforms such as Redshift, Postgres, Spark, SQL, and MySQL.

Collaboration & Communication

  • Collaborate with technology, product, and operations teams to deliver actionable insights.
  • Translate complex analytical findings into clear business recommendations.
  • Present analytical solutions and model outcomes to non-technical stakeholders.

Innovation & Research

  • Experiment with new data sources and machine learning techniques.
  • Continuously improve models and analytics frameworks to enhance risk management and decision-making.

Required Qualifications

  • Bachelor’s degree in Computer Science, Mathematics, Statistics, Engineering, Physics, or a related technical field.
  • Advanced degrees (Master’s / PhD) are preferred.
  • Minimum 1+ years of relevant experience in Banking, NBFC, Payments, or Lending industry.
  • Experience working with unsecured loans, credit cards, or lending products is an advantage.

Technical Skills

  • Strong programming skills in Python and R.
  • Experience with SQL, Spark, MySQL, SAS, and distributed computing frameworks.
  • Strong understanding of statistical modeling and machine learning algorithms including:
    • Linear Regression
    • Logistic Regression
    • Decision Trees
    • Gradient Boosting
    • Clustering Algorithms
  • Familiarity with Deep Learning and Natural Language Processing (NLP) is a plus.

Preferred Experience

  • Experience working with large-scale datasets and distributed systems.
  • Knowledge of credit risk analytics and underwriting models.
  • Exposure to FinTech startup environments and fast-paced product development.

Key Skills

Data Science, Machine Learning, Python, R, Credit Risk Modeling, SQL, Spark, FinTech Analytics, Distributed Computing, Regression Models, Clustering, Deep Learning, NLP, Banking Analytics.

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