Senior Data Scientist

About the Company:

Re-imaging credit and payments from First Principles.

Credit cards haven't changed much for over half a century, so our team of seasoned bankers, technologists, and designers set out to redefine the credit card for you - the consumer. The result is OneCard - India's best metal credit card reimagined for the mobile generation, built with full-stack tech and backed by principles of simplicity and transparency.

Opportunity:

We are looking for a Senior Data Scientist to build and own data science solutions that provide competitive differentiation for our customers and business. In this role, you will be critical in shaping the credit card portfolio strategy across the entire customer lifecycle.

Role Overview:

• Role: Senior Data Scientist
• Experience Range: 5 – 7 years
• Work Location: Aundh/Baner - Pune (Work from Office ONLY)

What will you do:

As a key member of our growing team, you will be responsible for owning portfolio metrics and delivering on agreed KPIs. Your role will involve:

• Portfolio Ownership: End-to-end ownership of customer management, covering activation, credit line management, risk-based pricing, and ENR uplift.
• Strategic Analysis: Performing deep-dive data analysis to identify high-impact opportunities and uncover trends across segments.
• Modeling & Innovation: Leveraging Machine Learning and Deep Learning techniques to build models for customer segmentation, risk prediction, and spend propensity.
• Behavioral Strategy: Building credit strategies by deploying techniques like Design of Experiment (DoE), borrowing from behavioral economics and neuroscience to assess consumer preferences.
• Stakeholder Collaboration: Partnering with product, technology, and risk functions to drive discussions on key portfolio activities and translate analytics into actionable recommendations.
• KPI Management: Owning and delivering on key metrics such as ENR per card, revolver rate, and credit loss.

Qualifications:

• Experience: Minimum 5-7 years of experience with demonstrable understanding in Consumer Lending, Payments, or Credit Cards.
• Education: Degree in a quantitative field such as Statistics, Mathematics, Computer Science, Economics, or equivalent.
• Technical Expertise: Strong hands-on proficiency in SQL and Python.
• Strategic Mindset: Demonstrated ability to innovate solutions to solve business problems and a data-driven mindset with commercial acumen.
• Communication: Proven skills in translating complex analytics output into actionable business recommendations for stakeholders.