About Paytm
Paytm Recruitment
Job Role: Data Science
Qualification: Bachelors / Masters Degree
Experience: Experienced
Batch: 2025 / 2024 / 2023 / 2022
Salary: not disclosed
Job Location: Bangalore
Last Date: ASAP
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About the role:
We are seeking a highly analytical and experienced Data Scientist with 3-6 years of experience to join our dynamic team. In this role, you will play a crucial part in developing and enhancing our risk, underwriting, and collections strategies through advanced analytical models.
Key Responsibilities:
1) Develop and implement end-to-end machine learning models for critical lending functions, including but not limited to:
2) Credit Risk Assessment: Building and refining Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) models.
3) Underwriting Decisioning: Creating models for automated loan approval/denial, credit limit assignment, and risk-based pricing.
4) Fraud Detection: Developing models to identify and mitigate fraudulent loan applications and transactions.
5) Collections Strategy Optimization: Building models to predict delinquency, optimize collection efforts, and segment customers for targeted outreach.
6) Conduct robust model validation and monitoring for all lending and collections models, ensuring performance, stability, and adherence to regulatory guidelines. This includes backtesting, stress testing, and ongoing performance tracking.
7) Translate complex business problems in lending and collections into actionable data science solutions, working closely with product, operations, and risk management teams.
8) Design and execute experiments (e.g., A/B tests) to evaluate the impact of new models and strategies on key business metrics like approval rates, default rates, recovery rates and revenue.
9) Write production-grade, scalable, and efficient code for model development, training pipelines, and real-time scoring APIs within our lending and collections systems.
10) Perform deep-dive data analysis to uncover insights from vast datasets related to customer behavior, loan performance, and collections activities.
11) Communicate complex analytical findings and model results clearly and concisely to both technical and non-technical stakeholders, including senior leadership and business partners.
12) Stay abreast of industry best practices, emerging technologies, and regulatory changes in lending, risk management, and collections data science.
Skills that will help you succeed in this role:
1) 2-4 years of professional experience as a Data Scientist, preferably in the lending, financial services, or credit risk domain.
2) Expert proficiency in PySpark for large-scale data manipulation, feature engineering, and model training.
3) Demonstrated experience with a wide range of Data Science and Machine Learning algorithms, with a strong focus on those applicable to classification, regression, and time series analysis in a financial context.
4) Deep understanding of Mathematics and Probability, including advanced statistics, hypothesis testing, and statistical inference for model development and validation.
5) Proven expertise in Model Development and Model Validation within a regulated environment, specifically for risk, underwriting, and collections models.
6) Strong ability in writing production-grade, well-documented, and performant code in Python, suitable for integration into live systems.
7) Familiarity with cloud platforms (e.g., AWS, Azure, GCP) and distributed computing.
8) Experience with SQL for data extraction and manipulation.
9) Ability to work independently and collaboratively in a fast-paced environment.
Good to Have:
1) Solid understanding of the lending lifecycle, including origination, underwriting, servicing, and collections.
2) Experience with MLOps practices and tools for deploying and managing models in production.
3) Experience with A/B testing frameworks and experimental design in a business context.
4) Exposure to alternative data sources for credit assessment or collections optimization.
Why join us
Because you get an opportunity to make a difference, and have a great time doing that.
You are challenged and encouraged here to do stuff that is meaningful for you and for those we serve.
You should work with us if you think seriously about what technology can do for people.
We are successful, and our successes are rooted in our people’s collective energy and unwavering focus on the customer, and that’s how it will always be.
How to Apply For Paytm In 2025?
Dreaming of a Paytm career. Follow these simple steps to apply for their 2025 opportunities:
- Click “Apply Here“: Head straight to the Paytm career page using the button below.
- Start Your Application: Hit “Apply“ to begin.
- Register or Login: Create an account if you‘re new, or login if you‘re already registered.
- Complete the Form: Fill in all required details accurately.
- Upload Documents: Submit your resume and any other requested documents.
- Review and Verify: Double–check all information before submitting.
- Submit: Hit submit and take a step closer to your dream career.
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