About YUBI
Yubi, formerly known as CredAvenue, is re-defining global debt markets by freeing the flow of finance between borrowers, lenders, and investors. We are the world's possibility platform for the discovery, investment, fulfilment, and collection of any debt solution. At Yubi, opportunities are plenty and we equip you with tools to seize it.
In March 2022, we became India’s fastest fintech and most impactful startup to join the unicorn club with a Series B fundraising round of $137 million.
In 2020, we began our journey with a vision of transforming and deepening the global institutional debt market through technology. Our two-sided debt marketplace helps institutional and HNI investors find the widest network of corporate borrowers and debt products on one side and helps corporates to discover investors and access debt capital efficiently on the other side. Switching between platforms is easy, which means investors can lend, invest and trade bonds - all in one place. All 5 of our platforms shake up the traditional debt ecosystem and offer new ways of digital finance.
Yubi Loans – Term loans and working capital solutions for enterprises.
Yubi Invest – Bond issuance and investments for institutional and retail participants.
Yubi Pool– End-to-end securitisations and portfolio buyouts.
Yubi Flow – A supply chain platform that offers trade financing solutions.
Yubi Co.Lend – For banks and NBFCs for co-lending partnerships.
Currently, we have boarded over 4000+ corporates, 350+ investors and have facilitated debt volumes of over INR 40,000 crore.
Backed by marquee investors like Insight Partners, B Capital Group, Dragoneer, Sequoia Capital, LightSpeed and Lightrock, we are the only-of-its-kind debt platform globally, revolutionizing the segment.
At Yubi, People are at the core of the business and our most valuable assets. Yubi is constantly growing, with 650+ like-minded individuals today, who are changing the way people perceive debt. We are a fun bunch who are highly motivated and driven to create a purposeful impact. Come, join the club to be a part of our epic growth story.
Responsibilities:
As a part of the financial models team at CredAvenue, you will be part of a highly motivated DS team responsible for developing statistical & ML models, which requires reasonable understanding of the domain.
Work on state of the art data science models with predominantly structured data and work on problems such as fraud identification, network graphs, retail & institutional risk scorecards, portfolio construction & management and pricing models
You will also work closely with the Data Engineering team to capture structured data in the required databases, work with cross team stakeholders to gain domain expertise & obtain project buy-in and also work with DevOps & MLOps to get the models into production and develop ML pipelines to train, test and deploy models into production
You will be responsible for expediting the development lifecycle of various ML models. Along with ensuring that the model training and scoring in production scale properly for large volumes of data and user traffic. By ensuring the throughput of model training and response time of model scoring in production are controlled appropriately with relevant technologies and techniques.
Requirements
Expertise :
0-1 years of experience in data science/risk management /quantitative modeling / financial models
Domain knowledge on esp.financial data & risk, fraud & quant. models is an added advantage
Domain & Data Requirements
Prior experience in working with B2B data & building models for the same is an added advantage
Prior experience in using classic ML models for credit risk quantification (for retail or institutional)
Experience & willingness to handle cross team stakeholders to understand the domain & build accurate useful models.
Should be willing to identify project areas that are patentable & works towards it
Tech Requirements
Hands on experience in at least one programming language like Python & one querying language
Prior experience in code development using frameworks & technologies like Scikit, scipy etc.,.
Prior experience in working with databases like mongoDB, Postgres, SQL etc.,
Prior experience in working with cloud technologies, preferably AWS
Strong understanding of ML model life cycle i.e. development, training, testing & monitoring
Skills Required
- 0-1 years of experience in data science, risk management, quantitative modeling, or financial models
- Hands-on experience with at least one programming language, such as Python, and one querying language
- Experience with machine learning frameworks and technologies such as Scikit-learn and SciPy
- Experience working with databases such as MongoDB, PostgreSQL, or SQL
- Experience with cloud technologies, preferably AWS
- Strong understanding of the machine learning model lifecycle, including development, training, testing, and monitoring
- Experience using classic machine learning models for retail or institutional credit risk quantification
- Willingness to work with cross-team stakeholders to understand domain requirements and build accurate, useful models
- Domain knowledge of financial data, risk, fraud, and quantitative models
- Prior experience working with B2B data and building models for B2B applications
- Willingness to identify patentable project areas and work toward patent development
What We Do
Yubi is the world's first possibility platform powering the discovery, investment, fulfilment of credit. We are re-defining global debt markets by freeing the flow of finance between borrowers, lenders, and investors. Yubi stands for ubiquitous, being present wherever our customers need us. From being a disruptor in India’s debt market to marching towards global corporate markets, we will unlock greatness together. We are on a mission to deepen and power the $120 Trillion global enterprise debt market which would unlock a GDP multiplier and thus, create massive economic value. The Yubi product suite is leading the empowerment of small, medium, and large enterprises on one side, and growing a healthy loan book for the larger Banking ecosystem on the other. As a debt platform for enterprises, lenders and investors, we offer the most comprehensive bouquet of debt products. Our suite of product offerings ensures that as a participant in the debt market - you find just what you are looking for! We believe that access to prudent finance is the right of all global citizens and that is what drives all of us here at Yubi. The future of finance starts here, propelled by technology, transparency, and mutual trust.
