Lead design of credit underwriting strategies and customer journeys across digital and phygital channels; perform market and portfolio analytics to identify growth and risk reduction levers; build acquisition and behavioral scorecards; design experiments for new channels; track credit risk performance and diagnostics; manage 2-3 analysts while leveraging Python, SQL, Excel, visualization and ML techniques.
About the Role
InCred Finance is seeking to recruit for the position of Senior Manager in InCred’s Data Science Team.
InCred Finance is a middle-layer NBFC with a loan book of over 14,000crore and a key player in consumer, MSME and student loans
InCred’s consumer lending business is driven by proprietary credit underwriting strategies designed by InCred’s Data Science Team
Key Responsibilities:
- Designing credit underwriting strategies and customer journey for InCred’s consumer lending business across multiple digital and phygital channels.
- Leveraging market and customer analytics to uncover growth opportunities through city and channel expansion, alongside continuous enhancement of customer journey metrics in current channels.
- Tracking credit risk performance of the portfolio, and risk diagnostics to identify levers to further reduce credit risk
- Building and maintaining acquisition scorecards for new customers, as well as portfolio level behavioural scorecards for driving cross-sell business
- Designing test experiments for discovering the right product market fit for new channels
- This role will be a managerial role, with 2-3 business analysts reporting to the Chief Manager
Skills & Competencies:
- Technical Skills:
- Credit Risk Modelling, Data Modelling, and Portfolio Analytics
- Python, SQL, Advanced Excel, and Data Visualization
- Data Science / Big Data Analytics and exposure to machine learning techniques
- Analytical Thinking & Problem-Solving Ability
- Strong Oral and Written Communication Skills
- Ability to work with large datasets and extract meaningful insights
Qualifications & Experience:
- 4-7 years of working experience in a retail lending analytics role in FinTech / NBFC / Bank
- BTech from Tier 1 engineering college or equivalent
- Managerial experience managing at least 1-2 junior analysts
Similar Jobs
Artificial Intelligence • Cloud • Sales • Security • Software • Cybersecurity • Data Privacy
Architect and deliver high-performance Angular-based UI for a cloud SaaS product. Improve frontend code quality and automated UI test coverage, ship responsive components, mentor junior engineers, collaborate with UX and backend microservices, and lead frontend architecture and release planning.
Top Skills:
AjaxAngularAWSCSSCypressExtjsHTMLHTTPJasmineJavaScriptJestJSONKarmaNestjsNgrxNode.jsProtractorReactRestSeleniumTypescriptWebpackXML
Artificial Intelligence • Big Data • Enterprise Web • Fintech • Software • Financial Services
Lead a 300-400 FTE Mumbai data operations organization delivering high-fidelity ESG & Climate datasets. Drive consolidation of global operations into Mumbai, deploy AI-native automation, re-engineer production workflows, strengthen data governance, and improve quality, throughput and unit economics. Partner with Product, Technology and Research to implement enterprise-wide quality frameworks, scorecards and audit controls while ensuring continuity of client delivery during transformation.
Top Skills:
Ai AutomationAPIsData EngineeringLlmsWorkflow Orchestration
Fintech • Information Technology • Insurance • Financial Services • Big Data Analytics
Designs, builds, maintains, monitors, and optimizes batch and real-time ETL/ELT pipelines across Azure and on-premises environments. Handles large structured and unstructured datasets while ensuring reliability, scalability, security, compliance, and data quality. Collaborates with business, technology, operations, governance, architecture, data science, DevOps, and BI teams. Independently leads solution design and estimation, mentors data engineers, and supports production-grade data and analytics solutions.
Top Skills:
Apache NifiSparkAzure Data FactoryAzure DevopsAzure Event HubsAzure FunctionsAzure SynapseCi/CdCosmos DbData LakesData MartsData WarehousesDatabricksGitHadoopHbaseHiveKafkaMedallion ArchitectureMongoDBNoSQLPythonScalaSQLUnix Shell Scripting
What you need to know about the Mumbai Tech Scene
From haggling for the best price at Chor Bazaar to the bustle of Crawford Market, the energy of Mumbai's traditional markets is a key part of the city's charm. And while these markets will always have their place, the city also boasts a thriving e-commerce scene, ranking among the largest in the region. Driven by online sales in everything from snacks to licensed sports merchandise to children's apparel, the local industry is worth billions, with companies actively recruiting to meet the demands of continued growth.
