Manager (M1)

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About LenDenClub:

LenDenClub is India’s largest RBI-registered (NBFC-P2P) Peer-to-Peer (P2P) lending platform. We are a platform for lenders seeking high interest with creditworthy borrowers, bridging the gap left by traditional credit institutions. With over 3 crore users and ₹16,000 crore+ in loans disbursed, we command more than 98% of India’s P2P lending market. Our 4.4+ rating on the App Store reflects our commitment to offering a trustworthy and secure lending experience. Powered by cutting-edge technology and a user-first approach, we are setting new benchmarks in India’s evolving fintech ecosystem. The progressive approach towards employee benefits has been acknowledged and appreciated and as a result, LenDenClub has been certified as a 'Great Place to Work' successively for four years by the Great Place to Work Institute, Inc.``

About InstaMoney:

InstaMoney is our cutting-edge Loan Service Provider (LSP) platform, built to make borrowing fast, flexible, and fully digital for users across India. With over 30 million downloads, InstaMoney offers seamless credit access through a simple and intuitive mobile app. From Personal Loans and Merchant Loans, InstaMoney provides short- to mid-tenure credit solutions.

Profile Overview:

We are seeking a highly experienced Lead Advanced Analytics professional with 5+ years of expertise in developing cutting-edge credit underwriting models using modern machine learning techniques and alternative data sources. This role will drive innovation in our lending decision-making processes and lead a team of analytics professionals in a dynamic fintech environment.

Job Responsibilities

Advanced Model Development & Innovation

Design sophisticated credit underwriting models using modern ML algorithms (XGBoost, Random Forest, Neural Networks, Ensemble methods)
Build predictive models leveraging alternative data sources including digital footprints, transactional data, behavioral analytics
Implement real-time scoring engines and automated decision-making systems
Develop champion-challenger frameworks for continuous model optimization

Alternative Data Integration & Feature Engineering

Identify, evaluate, and integrate alternative data sources to enhance model performance
Build models using psychometric data, device analytics, social network analysis, and open banking data
Work with unstructured data sources including text, images, and behavioral patterns
Implement automated feature selection and dimensionality reduction techniques

Machine Learning & AI Implementation

Apply state-of-the-art ML techniques including deep learning, gradient boosting, and ensemble methods
Implement explainable AI solutions to ensure model interpretability
Develop automated machine learning pipelines for model training, validation, and deployment
Explore and leverage generative AI technologies for innovative underwriting solutions

Team Leadership & Strategic Direction

Lead and mentor a team of data scientists and analytics professionals
Take end-to-end ownership of analytics projects from conception to production deployment
Collaborate with cross-functional teams including product, engineering, and business stakeholders
Drive analytics strategy and roadmap aligned with business objectives

Model Deployment & Operations

Implement MLOps practices for streamlined model deployment, monitoring, and maintenance
Collaborate with data engineering teams to ensure robust data pipelines and infrastructure
Develop automated model monitoring systems and performance tracking dashboards
Build A/B testing frameworks for model performance evaluation

Business Impact & Insights

Analyze large and complex datasets to extract meaningful insights and trends
Create clear and comprehensive reports, dashboards, and visualizations for stakeholders
Present findings and recommendations to both technical and non-technical audiences

Required Qualifications

Experience & Domain Expertise

Minimum 5 years in advanced analytics with focus on credit underwriting in BFSI domain
Proven track record in fintech/digital lending environments developing credit scorecards using modern ML
Extensive experience with alternative data integration and non-traditional credit scoring methods
Leadership experience managing teams of data scientists or analytics professionals

Technical Skills & Programming

Advanced proficiency in Python, R, SQL, and statistical analysis tools
Expertise in scikit-learn, XGBoost, TensorFlow, PyTorch, and advanced ML libraries
Experience with big data technologies (Hadoop, Spark) and cloud platforms (AWS, Azure, GCP)
Proficiency in data visualization tools like Tableau, Power BI, or similar platforms
Knowledge of MLOps tools (MLflow, Docker, Kubernetes) for model operations

Advanced Analytics Expertise

Deep expertise in statistical modeling, machine learning algorithms, and predictive analytics
Strong background in feature engineering, model selection, and hyperparameter optimization
Experience with NLP techniques for processing unstructured data and text analytics
Proficiency in experimental design, A/B testing, and causal inference techniques

Alternative Data & Innovation

Proven experience with alternative data sources (digital, behavioral, psychometric, social media)
Knowledge of open banking, API integrations, and real-time data processing
Experience with computer vision, NLP, and unstructured data analysis
Understanding of data privacy, ethical AI, and responsible lending practices

Leadership & Communication

Excellent leadership skills with ability to inspire and develop technical teams
Strong stakeholder management and cross-functional collaboration abilities
Exceptional communication skills for presenting complex concepts to business audiences
Self-driven and comfortable working in fast-paced startup environments

Preferred Qualifications

Advanced degree (B.Tech/M.Tech) in Engineering, Computer Science, Mathematics, or Statistics
Experience with embedded finance, digital-first lending platforms, or API-based financial services
Knowledge of microservices architecture and modern software development practices
Understanding of various lending products and fintech ecosystem dynamics

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