Comviva - Chief Data Scientist - Yabx

Chief Data Scientist

About Company :

Yabx is a global FinTech venture of Mahindra Comviva aimed at simplifying financial access to the 2 Bn+ under-banked people in the emerging markets of Africa, Asia, and Latin America. Our products handle transactions at a massive scale operational across more than 10 countries in the next six months. We're looking for technical leaders who will help us build world class products. We need passionate, versatile personalities with the ability to hustle and display leadership qualities and be enthusiastic to take on new problems across the complete technical-stack. As a key member of a small team, you will design, deploy and maintain software products. We collaborate with top technical universities and R&D centers for data analytics such as MIT, Rutgers and Brown University.

At Yabx, you will be working across a multi-culture, multi-country team and collaborating with product and business teams, financial analysts, data scientists, OEM experts and more. The founding team consists of people from IITs, IIMs and top engineering colleges.

The base location is Gurgaon. Candidates should be flexible to travel overseas for short stints.

Job Description :

- The finance industry has ignored billions of deserving individuals. We are a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs.

- This role will lead a team of data scientists (7/8 members) which is responsible for development, monitoring and driving continuous enhancements to create best in Class models/algorithms to assess risk, churn and uptake across the customer life cycle

What we look for :

- Big Data/ML: Should be able to build cutting edge credit/churn/usage models using advanced algorithms in a Big data/Machine Learning environment. Should have hands on experience and track record of delivering projects in individual capacity.

- Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements.

- Team Leadership: Should have a track record of leading people effectively functionally driving deliverables as well as nurturing, motivating and developing the team to drive employee engagement.

- Willingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.

Job Responsibilities :

- Own the end-to-end delivery of models/algorithms across customer life cycle; Develop innovative credit / churn / usage models using mobile wallet transaction data, Call data, Telecom usage data, customer bureau data etc.

- Define a roadmap for data collection across telcos, credit bureaus, merchant partners & other 3rd party data sources; deliver on prioritized initiatives to continuously refine models

- Partner with the Data Engineering team to define the required data pipelines to build and enhance the feature bank (foundational capability) to build/deploy the various ML algorithms both for batch and real time use cases

- Collaborate with credit policy/portfolio mgmt. team to drive P&L outcomes.

- Building reports for model monitoring and drive enhancements

Required Qualifications & Skills :

- Solid expertise in end-to-end risk model lifecycle management (develop, deploy, monitor)

- Previous hands on in credit, fraud, churn model development, and deployment

- Previous experience in PD model development/validation,

- Experience in CSI/PSI model monitoring process

- Hands on experience in data extraction using SQL/Pyspark SQL; data cleaning, feature creation and building models using Py Spark/Python on Spark; Scale will be a plus.

- Experience leading a data science team with functional ownership/responsibilities

- Previous exposure to below algorithms (preferably multiple):

a. Logistic Regression

b. Random forest

c. XGBOOST

d. Markov Chain

- Strategy performance tracking and swap in / swap out analysis

- Strong entrepreneurial drive

Good to have :

- Good business understanding of the fintech/consumer finance space

- Experience in working with credit card / personal lending space, especially fintech hands-on experience in working with Telecom data