Data Scientist
Posted
Summary
IIFL Home Finance is hiring a Data Scientist in Gurugram to lead credit risk and collections analytics for its home loan portfolio — building predictive models (credit scoring, PD/LGD/EAD), optimizing collection strategies across delinquency buckets, and turning portfolio analysis into business recommendations.
About the Role
We are looking for a highly analytical and business-driven SeniorData Scientist to lead data science initiatives in credit risk andcollections strategy for our home loan portfolio. The role involvesbuilding predictive models, optimizing credit decisions, and enhancingcollections efficiency through data-driven insights.
Key Responsibilities
1. Credit Risk Modeling
- Develop and deploy predictive models for:
- Credit scoring (application behavioral)
- Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD)
- Credit scoring (application behavioral)
- Analyze borrower behavior and creditworthiness using structured and alternative data
- Monitor model performance and ensure stability over time
2. Collections Strategy Optimization
- Design data-driven collection strategies across delinquency buckets
- Build models for:
- Roll rate prediction
- Recovery optimization
- Customer segmentation for collections prioritization
- Roll rate prediction
- Recommend treatment strategies (call, legal, settlement, restructuring)
3. Data Analysis Insights
- Perform deep-dive analysis on portfolio performance, delinquencies, and losses
- Identify early warning signals and risk triggers
- Translate complex findings into actionable business recommendations
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
