Overview
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About Us
Yubi stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility.
From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products
Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles.
Job Description
About Yubi
Yubi, formerly known as CredAvenue, is redefining 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, fulfillment, and collection of any debt solution. At Yubi, opportunities are plentiful, and we equip you with the tools to seize them.
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. Our platforms shake up the traditional debt ecosystem and offer new ways of digital finance.
Yubi Credit Marketplace - With the largest selection of lenders on one platform, our credit marketplace helps enterprises partner with lenders of their choice for any capital requirements.
Yubi Invest - Fixed-income securities platform for wealth managers & financial advisors to channel client investments in fixed-income
Financial Services Platform - Designed for financial institutions to manage co-lending partnerships & asset-based securitization
Spocto - Debt recovery & risk mitigation platform
Accumn - Dedicated SaaS solutions platform powered by Decision-grade data, Analytics, Pattern Identifications, Early Warning Signals, and Predictions to Lenders, Investor,s and Business Enterprises
So far, we have onboarded more than 17000 enterprises, 6200 investors, and lenders and facilitated debt volumes of over INR 1,40,000 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 1000+ 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.
Requirements
About the Role
Data Scientist - Credit Risk /Fraud Models
Experience: 2 to 4 years
We seek a skilled Data Scientist to join our team and help build a cutting-edge Credit Risk Machine Learning platform. This platform delivers sophisticated credit scoring models and transparent explanations behind each score to support clients' credit monitoring and management activities.
As a Data Scientist, you will be key in designing, developing, and deploying machine learning models that assess credit risk, ensuring high accuracy, interpretability, and compliance with regulatory requirements. Your experience in machine learning and strong Python programming skills will be crucial in driving innovation and business value for our clients.
Key Responsibilities
Build and develop credit risk/fraud models to assess risk, ensuring high accuracy and explainability of the models to comply with regulatory frameworks and requirements.
Lead the development of a machine learning platform that empowers clients to build and customize their risk models, enabling more tailored risk management solutions.
Align data solutions with business objectives and technical constraints, adapting to the evolving market dynamics, regulatory landscape, and client requirements.
Work closely with cross-functional teams, including data engineering, product management, and business teams, to manage and lead various aspects of the product lifecycle, from conception to delivery.
Monitor model performance and maintain risk management protocols by retraining models as needed, ensuring ongoing accuracy and regulatory compliance.
Stay updated on industry trends, regulations, and emerging technologies to continuously improve the models and the platform.
Provide mentorship and guidance to junior data scientists and engineers within the team.
Requirements
Technical Skills
In-depth understanding of machine learning algorithms (supervised, unsupervised, and ensemble methods) and their application to risk.
Expertise in statistical analysis, including hypothesis testing, regression analysis, probability theory, and data modeling techniques, to extract insights and validate machine learning models.
Experience in designing, developing, and delivering end-to-end data products and solutions.
Expertise in model explainability techniques (e.g. SHAP, LIME) and regulatory compliance for risk models.
Strong proficiency in Python.
Working knowledge of PySpark ( Good to have )
Proficiency in building and deploying models on cloud platforms (AWS).
Proficiency in developing backend microservices using Fast API and working knowledge of MLOps.
Experience with NLP techniques is good to have
Domain Skills ( Good to have )
Prior experience collaborating with finance and risk teams to ensure the model outputs align with business objectives and regulatory requirements.
Basic understanding of credit risk management processes, including credit scoring, default probability estimation, and financial regulations.
Basic working knowledge of finance and credit risk concepts, such as loan performance metrics, creditworthiness, and risk mitigation strategies.
Education and Experience
Bachelor’s/Advanced degree in Data Science, Statistics, Mathematics, Computer Science, or a related field.
2 to 4 years of experience in the data science and machine learning domain
Experience in the financial sector or credit risk management is a bonus.
Benefits
We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, or age.
- 4 - 7 Yrs
- Pune
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India