Role: Business Analyst
Company: PayU
Location: Gurgaon /Bangalore/Mumbai
About Company:
About PayU A Prosus group company
PayU is the payments and fintech business of Prosus, a global consumer internet group and one of the
biggest investors in the fintech space globally, with investments totalling $700 million- to date. In
India, PayU serves more than 350,000 merchants with 70+ local payment methods and is the preferred
payments partner for nearly 60% of the e-commerce merchants, including all leading e-commerce
companies and a majority of airline businesses.
PayU specializes in credit products and services for emerging markets across the globe. Headquartered in
Mumbai, PayU Credit India has disbursed about 20 billion loans to date by volume and has disbursed more
than $280 million in consumer credit. PayU Credit provides consumers with easy access to affordable short-
term loans up to INR 5 lacs that can be availed in the form of personal loans, point of sale EMI and express
loans. Lead by Prashanth Ranganathan, the company has been focusing on providing innovative solutions
that make access to credit convenient as well as quick. PayU India entered the alternate lending business in
2017 with LazyPay, its buy-now-pay-later offering to provide consumers with convenient checkout options.
It emerged as one of the most popular payment methods across 300+ renowned merchants in its network
like Swiggy, Zomato, Samsung, Dunzo, GoAir, amongst others. Recently the company launched ‘LazyPay
Credit Shield’ an end to end digital lending features that help its users to be mindful of their financial health
and credit score and automates the entire process of disbursal. Riding on the success of the offering in 2018,
PayU received RBI’s approval to operate as an NBFC in 2018. PayU acquired a stake in PaySense in January
2020 to accelerate its vision for credit in India and leverage AI & ML to build a full-stack digital lending
platform in India. PayU in its next phase of growth is developing a full regional fintech ecosystem providing
multiple digital financial services in one integrated experience.
Roles and Responsibilities:
Perform diagnostic and predictive analytics to help create a portfolio segmentation strategy
considering, among others, macroeconomic environment, industry and micro-industry
concentrations, product, lifetime value, usage, risk appetite, geography, seasoning, term, credit
performance, etc.
Influence, monitor, and assess impacts to Family Capital Funding’s portfolio as a result of pricing,
product, acquisition strategy, underwriting policy, fraud detection, and portfolio monitoring and
collections.
Create predictive early detection credit deterioration capabilities using internal and external
performance data.
Investigate, create, implement and validate various risk and financial forecasts using complex data
including cohort and time series analysis of loan balances, revenue performance, net income
performance, portfolio dynamics, etc. and ensure an enterprise wide consistency in estimations.
Interface with Acquisition, Pricing, Product, Marketing, Finance, and Operations teams to help build
relationships, set goals and track operations performance, providing an actionable feedback loop as
it relates to portfolio performance across key Family Capital Funding metrics.
Ensure sound credit control by taking a pro-active approach to risk management within the risk
guidelines of Family Capital Funding.
Demonstrate governance, control and risk management behaviours in alignment with Family Capital
Funding policies and practices. Document all new processes per Enterprise policy
Assist with developing and enhancing credit structuring/packaging and risk assessment capabilities
to identify and maintain good business opportunities with new and existing clients.
Perform detailed analysis and interpret information to make recommendations to Senior
Management on critical strategies including non-standard and ad-hoc requests as determined by
management.
Ensure the timely and effective communication of forecasting results & variance drivers; anticipating
potential needs in an effort to establish and maintain good working relationships with key business
stakeholders.
Qualifications and Experience:
Undergraduate degree in Economics, Engineering, or Mathematics
2 to 5 years of related experience in a Business Analytics, Finance, Strategy, or Product functional
area
Excellent business judgment and risk assessment as demonstrated by previous work or academic
experience in an analytic role related to economic or business analysis
Strong Analytical and Problem-Solving Skills as demonstrated by previous experience in developing
creative solutions to business strategy, technological, and operational problems
Excellent SQL and analytic programming skills (R, Python, SAS, Excel), willingness to work closely
with large data sets and get into the details with business processes
Knowledge and experience with statistical concepts and financial analytics (break-even analysis, NPV
estimation, downside risk assessment)
Desire to help small businesses by eliminating inefficiencies and excessive costs in the lending
business
Role: Data Scientist
Company: PayU
Location preference: Mumbai / Bangalore
About Company:
About PayU A Prosus group company
PayU is the payments and fintech business of Prosus, a global consumer internet group and one of the biggest
investors in the fintech space globally, with investments totalling $700 million- to date. In India, PayU serves more
than 350,000 merchants with 70+ local payment methods and is the preferred payments partner for nearly 60% of
the e-commerce merchants, including all leading e-commerce companies and a majority of airline businesses.
PayU specializes in credit products and services for emerging markets across the globe. Headquartered in Mumbai,
PayU Credit India has disbursed about 20 billion loans to date by volume and has disbursed more than $280 million
in consumer credit. PayU Credit provides consumers with easy access to affordable short-term loans up to INR 5 lacs
that can be availed in the form of personal loans, point of sale EMI and express loans. Lead by Prashanth
Ranganathan, the company has been focusing on providing innovative solutions that make access to credit
convenient as well as quick. PayU India entered the alternate lending business in 2017 with LazyPay, its buy-now-
pay-later offering to provide consumers with convenient checkout options. It emerged as one of the most popular
payment methods across 300+ renowned merchants in its network like Swiggy, Zomato, Samsung, Dunzo, GoAir,
amongst others. Recently the company launched ‘LazyPay Credit Shield’ an end to end digital lending features that
help its users to be mindful of their financial health and credit score and automates the entire process of
disbursal. Riding on the success of the offering in 2018, PayU received RBI’s approval to operate as an NBFC in
2018. PayU acquired a stake in PaySense in January 2020 to accelerate its vision for credit in India and leverage AI &
ML to build a full-stack digital lending platform in India. PayU in its next phase of growth is developing a full regional
fintech ecosystem providing multiple digital financial services in one integrated experience.
Responsibilities
As a part of the Global Credit Risk and Data Analytics team, this person will be responsible for carrying out
analytical initiatives which will be as follows: -
Dive into the data and identify patterns
Development of end-to-end Credit models and credit policy for our existing credit products
Leverage alternate data to develop best-in-class underwriting models
Working on Big Data to develop risk analytical solutions
Development of Fraud models and fraud rule engine
Collaborate with various stakeholders (e.g. tech, product) to understand and design best solutions which can
be implemented
Working on cutting-edge techniques e.g. machine learning and deep learning models
Example of projects done in past:
Lazypay Credit Risk model using CatBoost modelling technique ; end-to-end pipeline for feature engineering
and model deployment in production using Python
Fraud model development, deployment and rules for EMEA region
Requirements
1-3 years of work experience as a Data scientist (in Credit domain) From a premium college (e.g B.Tech.
from IITs, NITs, Economics from DSE/ISI etc)
Strong problem solving and understand and execute complex analysis
Experience in at least one of the languages - R/Python/SAS and SQL
Experience in in Credit industry (Fintech/bank)
Familiarity with the best practices of Data Science
Nice to have :
Experience in working with big data
Solid coding practices
Passion for building new tools/algorithms
Experience in developing Machine Learning models
Interesting growth prospects
Role: DevOps Engineer
Company: PayU
Location preference: Bangalore
About Company:
About PayU A Prosus group company
PayU is the payments and fintech business of Prosus, a global consumer internet group and one of the biggest
investors in the fintech space globally, with investments totalling $700 million- to date. In India, PayU serves more
than 350,000 merchants with 70+ local payment methods and is the preferred payments partner for nearly 60% of
the e-commerce merchants, including all leading e-commerce companies and a majority of airline businesses.
PayU specializes in credit products and services for emerging markets across the globe. Headquartered in Mumbai,
PayU Credit India has disbursed about 20 billion loans to date by volume and has disbursed more than $280 million
in consumer credit. PayU Credit provides consumers with easy access to affordable short-term loans up to INR 5 lacs
that can be availed in the form of personal loans, point of sale EMI and express loans. Lead by Prashanth
Ranganathan, the company has been focusing on providing innovative solutions that make access to credit
convenient as well as quick. PayU India entered the alternate lending business in 2017 with LazyPay, its buy-now-
pay-later offering to provide consumers with convenient checkout options. It emerged as one of the most popular
payment methods across 300+ renowned merchants in its network like Swiggy, Zomato, Samsung, Dunzo, GoAir,
amongst others. Recently the company launched ‘LazyPay Credit Shield’ an end to end digital lending features that
help its users to be mindful of their financial health and credit score and automates the entire process of
disbursal. Riding on the success of the offering in 2018, PayU received RBI’s approval to operate as an NBFC in
2018. PayU acquired a stake in PaySense in January 2020 to accelerate its vision for credit in India and leverage AI &
ML to build a full-stack digital lending platform in India. PayU in its next phase of growth is developing a full regional
fintech ecosystem providing multiple digital financial services in one integrated experience.
Responsibilities
Design and implement fully automated CI/CD pipelines
Monitor, debug, and enhance pipelines for optimal operation and performance
Troubleshoot, conduct root cause analysis, and resolve a majority of the production issues
Handle escalation management of production issues
Provide quick, reliable, and easy to interpret script results and dashboard reports to raise awareness of
operational overhead
Setup development, staging, demo, and production environments
Collaborate with cross-functional team members to improve the overall team velocity
Automate any manual process across deployment, monitoring or audit-related functions
Implement and managing monitoring solutions to assess the health of the infrastructure
Work with developers to optimise applications for performance and scale
Monitor application health using various tools like Cloudwatch, NewRelic, Nagios etc.
Ownership to design, implement and maintain the infrastructure on multiple hosting providers like AWS.
Requirements
BS in Computer Science or equivalent with 2-5 years of experience
Experience with designing and implementing fully automated CI/CD pipelines for managing big data.
Experience working with AWS Clusters involving Spark,Redshift and other big data stack.
Good programming Python, SQL, and scripting skills
Experience with a variety of logging/system dashboard tools
Hands-on experience with managing deployments to production systems
Experience with on-call responsibilities and address production issues and incidents
Experience with escalation management for production outages
Flexible in working when duty calls or shifts
Expertise in Linux System Admin and Bash Scripting
Hands-on experience in build and administer VMs and Containers using tools such as Docker, Kubernetes
Strong experience in designing Cloud Infrastructure at AWS
Experience in infrastructure as Code services like CloudFormation, Terraform.
Worked on monitoring tools like Cloudwatch, NewRelic, Nagios etc (Any APM)
Nice to have
Proven ability to multitask in a fast-paced environment
Experience defining and measuring KPIs for operational excellence
Role: Graph Data Scientist
Company: PayU
Location Preference : Bangalore/ Mumbai
About Company:
About PayU A Prosus group company
PayU is the payments and fintech business of Prosus, a global consumer internet group and one of
the biggest investors in the fintech space globally, with investments totalling $700 million- to date. In
India, PayU serves more than 350,000 merchants with 70+ local payment methods and is the
preferred payments partner for nearly 60% of the e-commerce merchants, including all leading e-
commerce companies and a majority of airline businesses.
PayU specializes in credit products and services for emerging markets across the
globe. Headquartered in Mumbai, PayU Credit India has disbursed about 20 billion loans to date by
volume and has disbursed more than $280 million in consumer credit. PayU Credit provides
consumers with easy access to affordable short-term loans up to INR 5 lacs that can be availed in the
form of personal loans, point of sale EMI and express loans. Lead by Prashanth Ranganathan, the
company has been focusing on providing innovative solutions that make access to credit convenient
as well as quick. PayU India entered the alternate lending business in 2017 with LazyPay, its buy-
now-pay-later offering to provide consumers with convenient checkout options. It emerged as one
of the most popular payment methods across 300+ renowned merchants in its network like Swiggy,
Zomato, Samsung, Dunzo, GoAir, amongst others. Recently the company launched ‘LazyPay Credit
Shield’ an end to end digital lending features that help its users to be mindful of their financial health
and credit score and automates the entire process of disbursal. Riding on the success of the offering
in 2018, PayU received RBI’s approval to operate as an NBFC in 2018. PayU acquired a stake in
PaySense in January 2020 to accelerate its vision for credit in India and leverage AI & ML to build a
full-stack digital lending platform in India. PayU in its next phase of growth is developing a full
regional fintech ecosystem providing multiple digital financial services in one integrated experience.
Job Description:
Work closely with our data science team to uncover insights, deploy state-of-the-art
algorithms, and build practical solutions on massive user and product data by building a
knowledge graph and its supporting infrastructure.
Build various graphs and graph machine learning models/applications to serve various
business purposes such as fraud detection, credit scoring, user profiling, listing information
mining, etc.
Analyze massive data and conduct feature engineering by large-scale data mining.
Setup real-time data pipeline and build reliable dataset with graph database.
Develop and maintain the in-house knowledge graph platform to serve various business
teams.
Research the state-of-the-art techniques in graph neural network to solve challenging
problems.
Requirements:
BE / BTech or MS or PhD in machine learning, computer science, math or equivalent work
experience
5+ years of experience as a hands on expert-level practitioner of machine learning and/or
graph algorithms.
You have to built large scale machine learning models and systems.
Experience in social netwrok analysis is a plus. Having conducted research and published
peer-reviewed articles in a Machine Learning field is a plus.
5+ years of experience leading large ML initiatives across cross functional teams in multiple
organizations.
Track record of innovation and having taken large machine learning based products and
features from conception to successfully delivering value to customers in production.
Experience with programming languages such as Python
Experience on SQL, Spark.
Knowledge on areas related to knowledge graph analysis, graph neural network and deep
learning.
Familiar with graph computing framework such as Apache Tinkerpop is also a plus. Not a
requirement.
Experience on graph databases such as AWS Neptune, GraphX, Neo4j, JanusGraph,
OrientDB, DGraph, Memgraph, Tigergraph
Role: QA Engineer
Company: PayU
Location preference: Bangalore
About Company:
About PayU A Prosus group company
PayU is the payments and fintech business of Prosus, a global consumer internet group and one of the biggest
investors in the fintech space globally, with investments totalling $700 million- to date. In India, PayU serves more
than 350,000 merchants with 70+ local payment methods and is the preferred payments partner for nearly 60% of
the e-commerce merchants, including all leading e-commerce companies and a majority of airline businesses.
PayU specializes in credit products and services for emerging markets across the globe. Headquartered in Mumbai,
PayU Credit India has disbursed about 20 billion loans to date by volume and has disbursed more than $280 million
in consumer credit. PayU Credit provides consumers with easy access to affordable short-term loans up to INR 5 lacs
that can be availed in the form of personal loans, point of sale EMI and express loans. Lead by Prashanth
Ranganathan, the company has been focusing on providing innovative solutions that make access to credit
convenient as well as quick. PayU India entered the alternate lending business in 2017 with LazyPay, its buy-now-
pay-later offering to provide consumers with convenient checkout options. It emerged as one of the most popular
payment methods across 300+ renowned merchants in its network like Swiggy, Zomato, Samsung, Dunzo, GoAir,
amongst others. Recently the company launched ‘LazyPay Credit Shield’ an end to end digital lending features that
help its users to be mindful of their financial health and credit score and automates the entire process of
disbursal. Riding on the success of the offering in 2018, PayU received RBI’s approval to operate as an NBFC in
2018. PayU acquired a stake in PaySense in January 2020 to accelerate its vision for credit in India and leverage AI &
ML to build a full-stack digital lending platform in India. PayU in its next phase of growth is developing a full regional
fintech ecosystem providing multiple digital financial services in one integrated experience.
Responsibilities:
Assures quality within the software application by developing and implementing effective test plans, test cases and
test scripts and by assuring the business logic is appropriate and maintained for the client.
Participates in production implementation verification and accountable for validating particular enhancement(s).
Establishes and maintains test environment, test data, and test tools.
Plans, documents, evaluates and tracks program testing results to ensure proper operation and freedom from
defects.
Works with users, systems analysts, designers and programmers to create/analyze various required project
documents.
May participate in all phases of the test cycle, including Unit Testing, Integration/System Testing, Performance
Testing, Load Testing, Regression Testing, User Acceptance Testing, etc.
May be responsible for both manual and automated test tools/techniques
Complies with the standards in the software life cycle and follows the strategies, plans and procedures.
Provides customer support and maintains production software as needed.
Reviews user documentation & training materials for accuracy.
Communicates and interacts with appropriate groups on problems, changes, and enhancements that may impact
data, workflow and / or functionality.
Requirements:
Bachelors/Master s degree in Computer Science, Engineering or a related subject
Test Planning and Execution experience
Experience working with Development, Business Partners, Production Support, and Change Management partners
Experience in Agile SDLC
Strong SQL Query writing Skills
Experience working with AWS Clusters involving Spark,Redshift and other big data stack.
Experience in E2E ETL Testing Data migration, conversion, Data quality check.
Test lead experience with onshore-offshore model
Understanding of End to End Testing Cycles using Agile
Hands-on experience in driving the QA release cycle End to end, defect reporting
Hands-on work experience in preparing Test plans, Test Scripts and RTM.
Fintech Domain experience is a plus
Excellent communication Skills and Presentation Skills.
Demonstrated Analytical, Problem solving and Interpersonal Skills.
Knowledge programming language Python
