Decision Scientist - Consumer Lending (Trust & Safety)

About PhonePe Group: 

PhonePe is India’s leading digital payments company with 50 crore (500 Million) registered users and 3.7 crore (37 Million) merchants covering over 99% of the postal codes across India. On the back of its leadership in digital payments, PhonePe has expanded into financial services (Insurance, Mutual Funds, Stock Broking, and Lending) as well as adjacent tech-enabled businesses such as Pincode for hyperlocal shopping and Indus App Store which is India's first localized App Store. The PhonePe Group is a portfolio of businesses aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.

Culture

At PhonePe, we take extra care to make sure you give your best at work, Everyday! And creating the right  environment for you is just one of the things we do. We empower people and trust them to do the right  thing. Here, you own your work from start to finish, right from day one. Being enthusiastic about tech is a  big part of being at PhonePe. If you like building technology that impacts millions, ideating with some of  the best minds in the country and executing on your dreams with purpose and speed, join us!

Position: Decision Scientist

Roles and Responsibilities:-

• Regular analysis of the transaction and customer behaviour data to identify the key fraud trends and develop strategies to prevent the fraud and reduce genuine customer impact.
• Develop key fraud metrics across different merchant categories and communicate portfolio trends with the respective stakeholders.
• Support ad hoc analytical projects.
• Interact with cross functional teams (product, tech, operation, compliance, business) to develop fraud risk solutions.
• Proactively identify opportunities to enhance the current fraud risk management process.
• Explore new tools and features for better fraud prevention.
• Work closely with the business team in developing strategies for the new product launch.

Skills and Qualifications:-

• Bachelor’s in engineering  or Master's degree in Management, Maths, Statistics or related quantitative discipline.
• You must have 3+ years of experience in data analytics / risk analytics / business analytics.
• Proficient in SQL. Should be able to write queries to manipulate and consolidate data from multiple data sources.
• Excellent Excel skills.
• Strong quantitative abilities, distinctive problem-solving and excellent analytical skills.
• Strong organisational, communication, presentation and project management skills.
• Good working knowledge of programming languages like Python, R, SAS.
• Theoretical and practical knowledge of statistical techniques such as regression, segmentation, forecasting.
• Working experience with BI tools (QlikView/Tableau/PowerBI/ QlikSense etc) will be an added advantage.

PhonePe Full Time Employee Benefits 

• Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
• Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System
• Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
• Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy
• Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment 
• Other Benefits - Higher Education Assistance, Car Lease, Mobile & Broadband Reimbursements, Salary Advance Policy

Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some of the reasons you should work with us. Read more about PhonePe on our blog.

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

• Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
• Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System
• Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
• Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy
• Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment 
• Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some of the reasons you should work with us. Read more about PhonePe on our blog.

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