Job Description
Founded in 2003, GAIN Credit is a tech-forward, inclusive, and responsible business using world-class innovative technology and data science to provide endless gaining opportunities for customers, employees, and merchants alike. At GAIN Credit, our mission is to empower lives, which is about providing solutions that meet the credit needs of society in an affordable and responsible manner, ensuring that we always treat customers fairly, helping our customers when they need it most by providing access to credit and giving them realistic timelines to re-pay.
Our flagship brands – Lending Stream & Drafty – enjoy 4.4 & 4.3 ratings on TrustPilot respectively (UK’s leading customer review website). Drafty – our pioneering credit-line product – is a first-of-its-kind, no-fee credit line and has been awarded ‘Innovation of the Year’ for 2017 and 2018 by the Consumer Credit Awards.
In India, we are among the top 55 Great places to work. People at GAIN Credit – ‘GAINers’ as we call them – are our assets. We believe happy people lead to happy customers. And this is why a great work culture is a super high priority at GAIN Credit. We make that happen through living our company values in every interaction we have with each other. In fact, we believe the only way to ‘gain’ at GAIN Credit is through living our company values.
Some of our awards:
· Ranked 55 among India Great places to work (mid-sized segment) in 2021-22
· Best Responsible Lender at Credit Excellence Awards- 2021
· 2018 British Credit Award- Consumer Credit Team of the Year- Lending Stream
· F5: Alternative Consumer Lender of the Year – Lending Stream
· F5 Awards 2018 Best Brand – Drafty
· 2018 Consumer Credit Awards: Innovation of the Year – Drafty
To know more about us:
Website: www.gaincredit.com
LinkedIn: https://www.linkedin.com/company/gaincredit/mycompany/
Is this the place for you?
As a GAINer, you will get to focus on your personal and professional gains, experience an award-winning workplace culture, access to perks, maintain work-life balance, and contribute to the community in meaningful ways. As a GAINer, integrity will guide everything you do, with a service mindset that puts others first. You will foster curiosity to drive learning, focus on continuous improvement, and take accountability for your actions to deliver exceptional outcomes.
We strongly believe in:
At GAIN Credit, we believe that our fantastic teams help build the best products that enable us to understand and attract more customers. Therefore, we completely support and welcome diversity across thoughts, people, and actions. We care about our employees, and their well-being and have many on-going activities to boost their physical, mental, and financial wellbeing. We encourage people from diverse backgrounds, culture, age, gender, orientation, and abilities to apply for all our openings and offer reasonable support to achieve their professional goals.
Our core strength:
We are at the core, an analytics company, founded by people who, about 30 years ago, were pioneers in applying predictive modelling to solve business problems. As we morphed into a financial services company from being an analytics consultant, we continued to train our scientists to apply these techniques, as well as cutting-edge advances, and become a transformative leader in credit underwriting in the UK.
Job Title: Team Lead –Analytics and Data Science
Department: Analytics and Data Science (ADS)
Location: Chennai, Bangalore & Noida preferred, but we will consider any location for the right candidate
Collaborative teams: Organization-wide
Oh, the things you’ll do:
· We predict credit risk and other key metrics using machine learning (ML) models – this will be one of your key tasks, where you will build these and work with stakeholders to implement them in a timely and accurate manner
· You will also work on other underwriting rules and optimize them
· Once these are implemented, you will help monitor the portfolio and suggest corrections where necessary
· You will evaluate other data sources to improve these models
· We do not just work on underwriting – the team provides analytics support across the organization, and you will be involved in this work
· You will run controlled tests based on Design of Experiments principle to add value to the business – this involves critical thinking
· You will mentor junior members and help them grow
What you need to bring to the table-
· You should have built machine learning models and have good knowledge of statistics
· You should have good understanding of the underlying details about how the machine learning models work
· We expect you to have the ability to work independently on projects end-to-end starting with formulating problem statements, identifying solutions to the problems, breaking the solution into smaller tasks, and do hands on analysis of data to arrive at the solution
· We need someone who has programmed before – in R or Python or SQL etc. If you can program well in any language, we feel you can pick up another easily.
· Are you a critical thinker with good problem solving skills? We do not just build ML models using pre-packaged tools – that is a good skill to have but does not make you a rounded data scientist. In your job, you may just be asked a high level, poorly defined question – your job will involve understanding context, bounding the problem, forming hypotheses and delving into the data and coming up with a solution. Have you done that? Are you confident of doing that?
· Can you understand your problem well enough that you can convey the key message to a lay person through presentations and other means?
