The Role
Lead development and implementation of credit scoring models, optimize limit and rate policies, analyze portfolio performance, build NPV and profitability models, deploy models to online scoring, and collaborate with business, DWH, developers, and product analysts to deliver data-driven results.
Summary Generated by Built In
inDrive Money is seeking Senior Credit Risk Analyst to develop and implement on the credit risk policies and models. In this role you will be responsible for the optimization of scoring models and limit policies as well as overall portfolio performance.
inDrive Money is a lending vertical aiming to fund under-banked audiences across inDrive network. Currently operating in six countries and issuing tens of thousands loans monthly and growing. We are using Platform's and alternative data for underwriting as well as transaction-based collection.
inDrive Money is a lending vertical aiming to fund under-banked audiences across inDrive network. Currently operating in six countries and issuing tens of thousands loans monthly and growing. We are using Platform's and alternative data for underwriting as well as transaction-based collection.
Key Responsibilities
- Develop predictive scoring models for credit decision-making and look for their points of growth through new internal and external data;
- Develop and optimize limit and rate policies;
- Implement built models in online scoring;
- Evaluate product profitability and build NPV models;
- Analyze loan portfolio;
- Bring raw data to real-world application in processes and deliver business results through ML;
- Interact with business, DWH, developers and product analysts;
- Work through reporting requirements.
Skills, Knowledge and Expertise
- You have an understanding of ML and data analytics;
- Ready to take a deep dive into ML, business processes, data, and cause-and-effect relationships;
- Have experience in lending to SMEs or individuals;
- Ready to drive things around you and always looking for ways to make processes even better;
- Love math and speak the language of numbers and theorems:
- Inspired by the real business impact of your actions;
- Have experience building NPV models;
- Have experience with Python, SQL;
- Python library development skills, project management experience and the ability to present the results of your work well would be a plus;
- English proficiency: B2 (Upper-Intermediate).
Why join us
- Help us challenge injustice by creating fair choices for millions of people across 1100+ cities in 48 countries;
- Develop your professional skills with access to mentoring, career consulting, and learning programs;
- Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program;
- Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects;
- Work alongside people who take initiative, speak openly, and challenge themselves to grow;
- Improve your language skills through co-financed courses and internal speaking clubs.
About
inDrive is a global tech company on a mission to challenge injustice through fair choices. We started in 2012 in the coldest city on Earth, when a group of friends created a way for people to agree on fair ride prices. That idea grew into one of the world’s top ride-hailing apps, now with 400M installs across 48 countries.Today, we offer more than rides: from freight and delivery to intercity travel and financial services, all designed to put people first. We are committed to having a positive impact on people’s lives both through our core business, which supports local communities via a fair pricing model; and through the work of our impact programs. Ready to ignite your inner drive?
Skills Required
- Understanding of ML and data analytics
- Experience in lending to SMEs or individuals
- Experience building NPV models
- Experience with Python
- Experience with SQL
- English proficiency B2 (Upper-Intermediate)
- Python library development skills
- Project management experience
- Ability to present results effectively
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The Company
What We Do
inDrive is a global IT and transportation platform inDrive is one of the world’s fastest growing online ride-hailing services. Its services are available in over 749 cities in 46 countries throughout the world. The Company’s app has been downloaded over 150 million times. inDrive offers other services, including intercity transportation, freight and cargo services, as well as delivery services in different markets of operations. inDrive is based in Mountain View, California, and operates regional hubs in the Americas, Asia, the Middle East, Africa and the countries of the CIS, and employs over 2,000 people. In early 2021, inDrive achieved unicorn status after closing a $140m investment round with Insight Partners, General Catalyst, and Bond Capital, which valued the company at $1.23 billion.
