Senior Data Scientist
- Compensation
- Not disclosed
- Location
- Mumbai, MH, India
- Work setup
- Not specified
- Seniority
- Senior
- Employment
- Not specified
- Experience
- 3+ years
- Category
- Data science
- Posted
Skills
Must have
- 4+ years of hands-on experience in data analytics / data science, preferably in fintech, NBFC, or a lending-focused startup.
- Degree from a Tier-1 institution (B.Tech / M.Tech in CS).
- Demonstrated ownership of end-to-end analyses or projects that drove measurable business outcomes.
- Strong grounding in credit risk analytics, with exposure to marketing and/or product analytics.
- Hands-on experience servicing data requests and building dashboards (Tableau or similar) for business stakeholders.
- Proven ability to operate in ambiguity — comfortable working without fully defined specs and iterating quickly.
- Strong communication skills: ability to translate technical findings for non-technical stakeholders.
- Analytical rigour — asks 'why' and 'so what' before jumping to analysis or modelling.
Nice to have
- ML / model deployment: integrating models into production via REST APIs, Airflow pipelines, or rule engines.
- Advanced ML: gradient boosting, scikit-learn pipelines, and exposure to predictive modelling for credit or marketing.
- App analytics: Mixpanel, CleverTap, or Appsflyer for funnel analysis and event-level data.
- Cloud & big data: AWS / GCP, Spark, or equivalent for large-scale data processing.
- Version control and reproducibility: Git and reproducible pipeline practices (MLflow or similar a plus).
- Direct experience with student lending, education fintech, or consumer credit underwriting.
- Experience with alternative data sources: telecom, UPI, utility, or social data for credit thin-file populations.
- Exposure to RBI / NBFC regulatory and portfolio reporting requirements relevant to credit.
- Familiarity with fairness, explainability, and bias mitigation in credit models (SHAP, LIME, disparate impact).
Full description
The Kuhoo Story: Where Dreams Meet Data Picture this: A brilliant engineering student from a middle-class family in Tier-2 India has the potential to revolutionize technology, but traditional lenders see only their father's modest income. This is the story that sparked Kuhoo Finance—a fintech revolution that believes in Aatmanirbharta (self-reliance) and transforms "what if" into "why not."
Today, we're not just another NBFC. We're dream architects, wielding AI and data science like modern-day magic wands to unlock the future earning potential hidden within every student. With our fresh RBI NBFC license, we're scaling from facilitating dreams to directly funding them—offering education loans up to ₹2 crore across engineering, management, medical programs, and cutting-edge upskilling initiatives.
Our Numbers Tell Stories:
- 100,000+ student applications processed (each one a unique dream)
- ₹375+ crore in loans facilitated (translating to countless transformed lives)
- 15,000 borrowers who now call us their launchpad to success
- 3 years of redefining how education financing works in India
Our DNA:
The Five Core Values That Drive Us
- Ownership: We don't just work here; we build the future here
- Passion for Excellence: Good enough is never good enough
- Impact: Every line of code, every decision shapes a student's tomorrow
- Curiosity: We question everything and innovate fearlessly.
- Fairness: At Kuhoo, fairness is the foundation of our decisions, ensuring equal opportunities and transparent growth for all.
At Kuhoo, we've created more than a workplace—we've built an ecosystem where innovation thrives, execution is an art form, and meritocracy isn't just a buzzword but our operating system. As we scale, our Data & Analytics team plays a central role in shaping product strategy, credit risk, and marketing effectiveness.
Role OverviewWe are looking for an experienced Senior Data Scientist / Analyst to join our Data & Analytics team. This is a broad, high-ownership analytics role. You will run detailed credit risk analysis — which makes up the bulk of the work today — service day-to-day data requests, and build and own Tableau dashboards, while partnering closely with credit, product, and marketing teams to turn questions into decisions. You are expected to understand the business in depth and drive projects independently, end to end. As the team and data mature, you will mentor junior analysts and progressively take on more advanced modelling and machine learning as the company scales.
Key ResponsibilitiesCredit Risk Analysis & Decisioning
- Own detailed credit risk analysis — portfolio cuts, delinquency and roll-rate trends, vintage and cohort performance, and the drivers of risk across the loan book.