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
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