Data Scientist - II
Data Scientist - II
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Job Description
About Yubi
Yubi formerly known as CredAvenue is redefining global debt markets by freeing the flow of finance between borrowers lenders and investors. We are the worlds possibility platform for the discovery investment fulfillment and collection of any debt solution. At Yubi opportunities are plentiful and we equip you with the tools to seize them.
In March 2022 we became Indias fastest fintech and most impactful startup to join the unicorn club with a Series B fundraising round of $137 million.
In 2020 we began our journey with a vision of transforming and deepening the global institutional debt market through technology. Our twosided debt marketplace helps institutional and HNI investors find the widest network of corporate borrowers and debt products on one side and helps corporates to discover investors and access debt capital efficiently on the other side. Switching between platforms is easy which means investors can lend invest and trade bonds all in one place. Our platforms shake up the traditional debt ecosystem and offer new ways of digital finance.
Yubi Credit Marketplace With the largest selection of lenders on one platform our credit marketplace helps enterprises partner with lenders of their choice for any capital requirements.
Yubi Invest Fixedincome securities platform for wealth managers & financial advisors to channel client investments in fixedincome
Financial Services Platform Designed for financial institutions to manage colending partnerships & assetbased securitization
Spocto Debt recovery & risk mitigation platform
Accumn
So far we have onboarded more than 17000 enterprises 6200 investors and lenders and facilitated debt volumes of over INR 140000 crore.
Backed by marquee investors like Insight Partners B Capital Group Dragoneer Sequoia Capital LightSpeed and Lightrock we are the onlyofitskind debt platform globally revolutionizing the segment.
At Yubi People are at the core of the business and our most valuable assets. Yubi is constantly growing with 1000 likeminded individuals today who are changing the way people perceive debt. We are a fun bunch who are highly motivated and driven to create a purposeful impact. Come join the club to be a part of our epic growth story.
Requirements
About the Role
Data Scientist Credit Risk /Fraud Models
Experience: 2 to 4 years
We seek a skilled Data Scientist to join our team and help build a cuttingedge Credit Risk Machine Learning platform. This platform delivers sophisticated credit scoring models and transparent explanations behind each score to support clients credit monitoring and management activities.
As a Data Scientist you will be key in designing developing and deploying machine learning models that assess credit risk ensuring high accuracy interpretability and compliance with regulatory requirements. Your experience in machine learning and strong Python programming skills will be crucial in driving innovation and business value for our clients.
Key Responsibilities
Build and develop credit risk/fraud models to assess risk ensuring high accuracy and explainability of the models to comply with regulatory frameworks and requirements.
Lead the development of a machine learning platform that empowers clients to build and customize their risk models enabling more tailored risk management solutions.
Align data solutions with business objectives and technical constraints adapting to the evolving market dynamics regulatory landscape and client requirements.
Work closely with crossfunctional teams including data engineering product management and business teams to manage and lead various aspects of the product lifecycle from conception to delivery.
Monitor model performance and maintain risk management protocols by retraining models as needed ensuring ongoing accuracy and regulatory compliance.
Stay updated on industry trends regulations and emerging technologies to continuously improve the models and the platform.
Provide mentorship and guidance to junior data scientists and engineers within the team.
Requirements
Technical Skills
Indepth understanding of machine learning algorithms (supervised unsupervised and ensemble methods) and their application to risk.
Expertise in statistical analysis including hypothesis testing regression analysis probability theory and data modeling techniques to extract insights and validate machine learning models.
Experience in designing developing and delivering endtoend data products and solutions.
Expertise in model explainability techniques (e.g. SHAP LIME) and regulatory compliance for risk models.
Strong proficiency in Python.
Working knowledge of PySpark Good to have
Proficiency in building and deploying models on cloud platforms (AWS).
Proficiency in developing backend microservices using Fast API and working knowledge of MLOps.
Experience with NLP techniques is good to have
Domain Skills Good to have
Prior experience collaborating with finance and risk teams to ensure the model outputs align with business objectives and regulatory requirements.
Basic understanding of credit risk management processes including credit scoring default probability estimation and financial regulations.
Basic working knowledge of finance and credit risk concepts such as loan performance metrics creditworthiness and risk mitigation strategies.
Education and Experience
Bachelors/Advanced degree in Data Science Statistics Mathematics Computer Science or a related field.
2 to 4 years of experience in the data science and machine learning domain
Experience in the financial sector or credit risk management is a bonus.
Benefits
We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race color religion gender gender identity or expression sexual orientation national origin genetics disability or age.
Employment Type
Full-Time
