Assistant Manager – Data Science

Job Description

About Godrej Industries Group (GIG)

At the Godrej Industries Group, we are privileged to serve over 1.1 billion consumers globally through our businesses with market leadership positions in the consumer products, real estate, agriculture, financial services and chemicals industries.

About Godrej Capital (GCL)

Godrej Capital is trusted lending partner advocating reliable, transparent, and fair lending practices backed by the legacy and trust of the Godrej Group spanning over 129 years.

About the role:

The incumbent will be responsible for developing data‑driven, analytically rigorous solutions that enable informed and timely decision-making across the credit lifecycle at Godrej Capital. The role involves building machine learning models, improving analytical processes, driving automation, and contributing to advanced risk intelligence initiatives. A strong passion for modelling, experimentation, and problem-solving is essential.

Job Description:

1. Model Development & Advanced Analytics

Develop and implement credit risk models (PD, LGD, EAD), fraud detection algorithms, collection prioritization models, customer propensity models, and other machine learning‑based solutions.

Apply statistical techniques and ML algorithms to solve complex business problems across underwriting, portfolio monitoring, and collections.

2. Insight Generation & Risk Monitoring

Identify data patterns, uncover trends, and generate actionable insights to strengthen credit decision-making.
Perform deep-dive analysis on emerging customer behavior and macro trends to support early warning signals and risk mitigation strategies.

3. Data Engineering & Process Improvement

Collaborate with technology teams to enhance data pipelines, improve data quality, and enable scalable model deployment.
Contribute to the design, testing, and implementation of production-grade analytical systems.

4. Stakeholder Management

Present analytical findings, recommendations, and model outcomes to business, risk, and leadership teams in a clear and structured manner.

5. Innovation & Alternate Data Exploration

Explore and evaluate alternate data sources to identify new opportunities for credit risk optimization, segmentation, and underwriting enhancements.

Requirements

• Experience: 2–4 years of relevant experience in risk analytics, preferably in BFSI.
• Education: Bachelor’s or Master’s degree in Engineering, Economics, Statistics, Mathematics, or any quantitative discipline.
• Strong proficiency in SQL for complex data extraction and analysis.
• Hands-on experience in Python and familiarity with industry-standard ML libraries.
• Prior exposure to statistical modelling, scorecard development, or policy analytics.
• Excellent presentation and communication skills for translating analytical output into business insights.
• Experience mentoring junior team members (preferred but not mandatory).