At the Godrej Industries Group, we are privileged to serve over 1.1 billion consumers globally through our businesses with market leadership positions in the consumer products, real estate, agriculture, financial services and chemicals industries.
www.godrejindustries.com
About Godrej Capital (GCL)
Godrej Capital is trusted lending partner advocating reliable, transparent, and fair lending practices backed by the legacy and trust of the Godrej Group spanning over 129 years.
www.godrejcapital.com
About the role:
The incumbent will be responsible for developing data‑driven, analytically rigorous solutions that enable informed and timely decision-making across the credit lifecycle at Godrej Capital. The role involves building machine learning models, improving analytical processes, driving automation, and contributing to advanced risk intelligence initiatives. A strong passion for modelling, experimentation, and problem-solving is essential.
Key Responsibilities
Model Development & Advanced Analytics
Develop and implement credit risk models (PD, LGD, EAD), fraud detection algorithms, collection prioritization models, customer propensity models, and other machine learning‑based solutions.
Apply statistical techniques and ML algorithms to solve complex business problems across underwriting, portfolio monitoring, and collections.
Insight Generation & Risk Monitoring
Identify data patterns, uncover trends, and generate actionable insights to strengthen credit decision-making.
Perform deep-dive analysis on emerging customer behavior and macro trends to support early warning signals and risk mitigation strategies.
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Collaborate with technology teams to enhance data pipelines, improve data quality, and enable scalable model deployment.
Contribute to the design, testing, and implementation of production-grade analytical systems.
Stakeholder Management
Present analytical findings, recommendations, and model outcomes to business, risk, and leadership teams in a clear and structured manner.
Innovation & Alternate Data Exploration
Explore and evaluate alternate data sources to identify new opportunities for credit risk optimization, segmentation, and underwriting enhancements.
Requirements
Experience: 2–4 years of relevant experience in risk analytics, preferably in BFSI.
Education: Bachelor’s or Master’s degree in Engineering, Economics, Statistics, Mathematics, or any quantitative discipline.
Strong proficiency in SQL for complex data extraction and analysis.
Hands-on experience in Python and familiarity with industry-standard ML libraries.
Prior exposure to statistical modelling, scorecard development, or policy analytics.
Excellent presentation and communication skills for translating analytical output into business insights.
Experience mentoring junior team members (preferred but not mandatory).
Work Experience 2-4 years
Benefits
Be an equal parent
Childcare benefits for the birthing parent, commissioning parent (in case of surrogacy) or adoptive parent, and their partners
6 months of paid leave for primary caregivers, flexible work options on return for primary caregivers
2 months paid leave for secondary caregivers
Caregiver travel for primary caregivers to bring a caregiver and children under a year old, on work travel
Coverage for childbirth and fertility treatment
No place for discrimination at Godrej
Gender-neutral anti-harassment policy
Same sex partner benefits at par with married spouses
Coverage for gender reassignment surgery and hormone replacement therapy
Community partnerships and advocacy
Persons with Disability (PwD) care
We are selfish about your wellness
Comprehensive health insurance plans, as well as accident coverage for you and your family, with top-up options
Elder care for those who might need to extend support to senior family members
Preventative healthcare support
Outpatient Department (OPD) coverage, including vaccinations, dental, vision, etc.
Uncapped sick leave
Flexible work options, including remote working and part-time work
Mental wellness and self-care programmes, resources and counselling
Celebrating wins, the Godrej Way
Structured recognition platforms for individual, team and business-level achievements
Digital and offline instant recognition platforms
An inclusive Godrej
Before you go, there is something important we want to highlight. There is no place for discrimination at Godrej. Diversity is the philosophy of who we are as a company. And has been for over a century. It’s not just in our DNA and nice to do. Being more diverse - especially having our team members reflect the diversity of our businesses and communities - helps us innovate better and grow faster. We hope this resonates with you.
We take pride in being an equal opportunities employer. We recognise merit and encourage diversity. We do not tolerate any form of discrimination on the basis of nationality, race, colour, religion, caste, gender identity or expression, sexual orientation, disability, age, or marital status and ensure equal opportunities for all our team members.
If this sounds like a role for you, apply now! We look forward to meeting you.
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