Data Science Manager

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 Location: Mumbai