Data Scientist

Company Description

Ram Fincorp is a trusted RBI-registered Non-Banking Financial Company (NBFC) dedicated to providing fast, easy, and affordable personal loans to salaried professionals. Known for our innovative credit solutions, we prioritize making the loan process seamless by offering instant access to funds, often within just 30 minutes. With a focus on minimizing the financial burden for borrowers, our loans feature low-interest rates and a transparent process. At Ram Fincorp, we strive to meet individual financing needs while maintaining reliability and customer satisfaction.

Role Description

This is a full-time, on-site role for a Data Scientist based in Gurugram. The Data Scientist will apply their expertise to extract meaningful insights from datasets, use statistical techniques to identify trends, and develop predictive models to optimize decision-making. Responsibilities include conducting data analyses, creating visualizations to communicate findings, and collaborating with cross-functional teams to support data-driven strategies. The role also involves staying updated with advancements in data science and implementing innovative problem-solving approaches to improve business processes.

Key Responsibilities

• Develop credit risk models (application scorecards, behavioral models)
• Build collections & repayment propensity models across DPD buckets
• Develop PD, LGD, EAD models for risk assessment
• Create customer analytics models (CLTV, churn, cross-sell)
• Design and maintain MIS dashboards & reports (PAR, NPA, vintage, roll rates)
• Perform data analysis & root cause analysis for portfolio trends
• Analyze approval funnel, rejection patterns, and customer journey
• Work on feature engineering using bureau & alternative data
• Write complex SQL queries for data extraction and analysis
• Automate reporting and pipelines using Python & AWS tools
• Deploy and monitor ML models using MLflow / APIs / dashboards
• Collaborate with Risk, Collections, Product, and Finance teams
• Present insights to management and stakeholders

Required Skills

• Strong Python (pandas, numpy, scikit-learn, XGBoost)
• Advanced SQL (joins, CTEs, window functions)
• Knowledge of machine learning & model evaluation (AUC, KS, Gini)
• Experience with BI tools (Power BI, Tableau, or similar)
• Familiarity with AWS (S3, Athena, Redshift)

Experience & Domain Knowledge

• 4–8 years in fintech / NBFC / banking analytics
• Understanding of credit risk metrics (DPD, PAR, NPA, roll rates)
• Experience with bureau data & lending lifecycle (LOS/LMS)