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 technique
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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