Incred-Decision Science Manager

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