Designation: Senior Analyst \- Data Science
Experience: 4 to 7 Years
Location: Remote\-tn, Tamil Nadu , India (REM\_TN)
We are looking for an experienced and highly analytical Data Scientist to join our Risk Analytics team within the Merchant Cash Advance (MCA) and alternative lending domain. The ideal candidate should possess strong expertise in SQL, Python, Machine Learning, and statistical modeling, along with hands\-on experience in risk analytics and financial data analysis.
The candidate will work closely with underwriting, risk, collections, fraud, and business teams to develop scalable predictive models and analytical solutions that improve portfolio performance, reduce risk exposure, and support data\-driven decision\-making across the MCA lifecycle.
This role requires a strong problem\-solving mindset, deep analytical capability, and the ability to work with large and complex financial datasets in a fast\-paced environment.
- Develop and deploy predictive models for MCA risk\-related use cases including:
- Default prediction
- Risk scoring
- Fraud detection
- Renewal propensity
- Delinquency forecasting
- Collections optimization
- Analyze merchant transaction data, repayment behavior, bank statements, and portfolio trends to identify business and risk insights.
- Build and optimize complex SQL queries for large\-scale data extraction, transformation, and analysis.
- Design scalable data science workflows and analytical pipelines using Python.
- Perform exploratory data analysis (EDA), feature engineering, model training, validation, and monitoring.
- Collaborate with underwriting, credit risk, operations, and business stakeholders to translate business problems into analytical solutions.
- Evaluate model performance using statistical and machine learning metrics and continuously improve model accuracy and stability.
- *Required Skills \& Qualifications**
- ------------------------------------
### **Technical Skills**
- Strong expertise in SQL: complex joins, window functions, query optimization, data aggregation, and analytical querying.
- Proficient in Python programming.
- Hands\-on experience with ML frameworks/tools: Scikit\-learn, XGBoost, MLFlow.
- Strong understanding of supervised/unsupervised learning, classification, regression, feature engineering, statistical analysis, and model evaluation.
- Experience with Python libraries: Pandas, NumPy, Matplotlib, Seaborn.
- Exposure to AWS, BigQuery, and Git.
### **Domain Expertise**
- Experience in Merchant Cash Advance (MCA), alternative lending, or financial risk analytics.
- Knowledge of underwriting, credit risk, ACH/payment behavior, fraud analytics, collections, and portfolio risk monitoring.
- Experience handling financial and transactional datasets.
### **Analytical \& Soft Skills**
- Strong analytical and problem\-solving skills.
- Ability to convert business problems into scalable analytical solutions.
- Good communication and stakeholder management skills.
- Ability to work independently and in global teams.
### **Preferred Qualifications**
- Experience in FinTech/MCA organizations.
- Exposure to MLOps and model deployment.
- Experience with Power BI or Tableau.
- Understanding of risk strategy and portfolio analytics.
### **Education**
Bachelor’s or Master’s degree in Computer Science, Data Science, Statistics, Mathematics, AI, Finance Analytics, Engineering, or related fields.
### **Ideal Candidate**
Strong data science and risk analytics professional with MCA/alternative lending domain expertise and the ability to deliver business\-driven analytical solutions.
Job Snapshot
Updated Date
12\-06\-2026
Job ID
J\_5243
Location
Remote\-tn, Tamil Nadu, India
Experience
4 \- 7 Years
Employee Type
Permanent