InCred
InCred Finance, a leading non-banking financial company (NBFC) in India, is dedicated to providing innovative and customer-centric financial solutions. InCred Finance is a Mumbai-based, technology-driven NBFC founded in 2016 by Bhupinder Singh, offering quick, digital-first personal, education, and business loans. It became a unicorn in late 2023 and focuses on serving middle-class Indian households and MSMEs using data science to ensure rapid, tailored lending, with over 9,000 Cr in AUM.
Job description
Key Responsibilities:
- Designing credit underwriting strategies and customer journey for InCreds consumer lending business across multiple digital and phygital channels.
- Leveraging market and customer analytics to uncover growth opportunities through city and channel expansion, alongside continuous enhancement of customer journey metrics in current channels.
- Tracking credit risk performance of the portfolio, and risk diagnostics to identify levers to further reduce credit risk
- Building and maintaining acquisition scorecards for new customers, as well as portfolio level behavioural scorecards for driving cross-sell business
- Designing test experiments for discovering the right product market fit for new channels
- This role will be a managerial role, with 2-3 business analysts reporting to the Chief Manager
Skills & Competencies:
- Technical Skills:
- Credit Risk Modelling, Data Modelling, and Portfolio Analytics
- Python, SQL, Advanced Excel, and Data Visualization
- Data Science / Big Data Analytics and exposure to machine learning techniques
- Analytical Thinking & Problem-Solving Ability
- Strong Oral and Written Communication Skills
- Ability to work with large datasets and extract meaningful insights
Qualifications & Experience:
- 4-7 years of working experience in a retail lending analytics role in FinTech / NBFC / Bank
- BTech from Tier 1 engineering college or equivalent
- Managerial experience managing at least 1-2 junior analysts
Full Time, Permanent
Data Science & Analytics – Other
Education
B.Tech / B.E. in Any Specialization
Any Postgraduate
Key Skills
Skills highlighted are preferred keyskills




