Senior Data Scientist

The Kuhoo Story: Where Dreams Meet Data Picture this: A brilliant engineering student from a middle-class family in Tier-2 India has the potential to revolutionize technology, but traditional lenders see only their father's modest income. This is the story that sparked Kuhoo Finance—a fintech revolution that believes in Aatmanirbharta (self-reliance) and transforms "what if" into "why not." Today, we're not just another NBFC. We're dream architects, wielding AI and data science like modern-day magic wands to unlock the future earning potential hidden within every student. With our fresh RBI NBFC license, we're scaling from facilitating dreams to directly funding them—offering education loans up to ₹2 crore across engineering, management, medical programs, and cutting-edge upskilling initiatives. Our Numbers Tell Stories: 100,000+ student applications processed (each one a unique dream) ₹375+ crore in loans facilitated (translating to countless transformed lives) 15,000 borrowers who now call us their launchpad to success 3 years of redefining how education financing works in India Our DNA : The Five Core Values That Drive Us Ownership: We don't just work here; we build the future here Passion for Excellence: Good enough is never good enough Impact: Every line of code, every decision shapes a student's tomorrow Curiosity: We question everything and innovate fearlessly. Fairness: At Kuhoo, fairness is the foundation of our decisions, ensuring equal opportunities and transparent growth for all. At Kuhoo, we've created more than a workplace—we've built an ecosystem where innovation thrives, execution is an art form, and meritocracy isn't just a buzzword but our operating system. As we scale, our Data & Analytics team plays a central role in shaping product strategy, credit risk, and marketing effectiveness. Role Overview We are looking for an experienced Senior Data Scientist / Analyst to join our Data & Analytics team. This is a broad, high-ownership analytics role. You will run detailed credit risk analysis — which makes up the bulk of the work today — service day-to-day data requests, and build and own Tableau dashboards, while partnering closely with credit, product, and marketing teams to turn questions into decisions. You are expected to understand the business in depth and drive projects independently, end to end. As the team and data mature, you will mentor junior analysts and progressively take on more advanced modelling and machine learning as the company scales. Key Responsibilities Credit Risk Analysis & Decisioning Own detailed credit risk analysis — portfolio cuts, delinquency and roll-rate trends, vintage and cohort performance, and the drivers of risk across the loan book. Work hands-on with CIBIL, Experian, and CRIF bureau data: understand the schema, assess data quality, and build predictive features and risk segments. Develop and refine credit decision rules and policy frameworks to…