Senior Data Scientist

Comviva · Gurgaon

  • Experience5–7 yrs
  • SalaryNot disclosed
  • Work modeonsite
  • Levelsenior
  • Posted10 Sept 2026
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About Comviva

Comviva is hiring in Gurgaon in technology software. This role looks for around 5+ years of experience.

Skills

  • SQL
  • PySpark SQL
  • PySpark
  • Python
  • Spark
  • Logistic Regression
  • Random Forest
  • XGBoost
  • Markov Chain
  • Machine Learning
  • Credit Risk Modeling
  • Fraud Modeling
  • Churn Modeling
  • PD Modeling
  • EAD Modeling
  • LGD Modeling
  • CSI
  • PSI

The role

A data scientist at a fintech company develops credit risk models using machine learning, PySpark, and SQL for mobile wallet and lending data. Builds and monitors credit, fraud, and churn models while supporting real-time decisioning and portfolio outcomes.

Full job description

Key Accountabilities

End-to-end risk model lifecycle manment — develop, deploy, monitor.Data extraction using SQL / PySpark SQL; data cleaning and feature engineering.Model building using PySpark / Python on SparkProficiency in Logistic Regression, Random Forest, XGBoost, Markov ChainStrategy performance tracking and swap-in / swap-out analysisDevelop innovative credit risk / churn / usage models using mobile wallet transaction data, Call data, Telecom usage data, customer bureau data etc.Partner with the Data Engineering team to define the required data pipelines to build and enhance the feature bank (foundational capability) to build/deploy the various ML algorithms both for batch and real time use cases - Collaborate with credit policy/portfolio mgmt. team to drive P&L outcomes. Building reports for model monitoring and drive enhancements.

Mandatory Skills

Expertise in Big Data/ML: Build cutting-edge credit, churn, and usage models using advanced Machine Learning algorithms in a Big Data environment.Should have hands on experience and track record of delivering projects in individual capacity.Should be Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analysing data to drive business iterations and improvementsWillingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.Hands-on experience in credit, fraud, and churn model development & deploymentPD / EAD / LGD model development and validationCSI / PSI model monitoring process experienceTrack record of delivering projects independentlyHands on experience in data extraction using SQL/Pyspark SQL; data cleaning, feature creation and building models using Py Spark/Python on SparkStrong entrepreneurial drive; ability to handle ambiguity and take calculated risks

Desirable Skills

Business understanding of the fintech / consumer finance spaceExperience in credit card or personal lending, especially in fintechHands-on experience working with Telecom data