Paytm is Indiaâs leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases. Paytm provides consumers with services like utility payments and money transfers, while empowering them to pay via Paytm Payment Instruments (PPI) like Paytm Wallet, Paytm UPI, Paytm Payments Bank Netbanking, Paytm FASTag and Paytm Postpaid – Buy Now, Pay Later. To merchants, Paytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banksâ financial instruments. To further enhance merchantsâ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners.
About the role:
We are seeking a highly skilled and experienced Data Scientist who will build and own foundation models with the end goal of mitigating risk across merchant and user journey while enhancing growth across different segments of our business. You will work on developing deep learning (DL) models for Fraud & Risk use cases as well as building in-house foundation models for learning representation of entities like customers, merchants, devices etc. in our ecosystem. In this role you will work with a talented engineering and data science team to build and deploy models at scale. You will have the opportunity to apply and improvise over the latest breakthroughs in AI research from industry and academia and bring them into life with our data product offerings.
What does this include?
Build Sequence and graph representation learning on what our entities (user/merchants/FSE etc) do and how they interact over time in the ever evolving Paytm ecosystem.
Fine tune the learnt models for downstream applications related to better understanding of entities, prevent fraud, target marketing etc.
Design, build, evaluate and maintain ML/DL models to detect various types of fraud while improving end user experience
Collaborate with product and analytics partners for business to ML problem formulation and align on key deliverables
End-to-end management of the entire lifecycle of the machine learning or deep learning project, from identifying objectives and preparing data to testing and validating models, calibrating them, monitoring and feedback loop.
Unsupervised learning methods to augment existing supervised models, or detect portfolio anomalies
4+ years of work experience as a Data Scientist.
Have developed and deployed deep neural network models at scale
Knowledge of sequence representation learning with recursive (RNN, LSTM, ELMO ..) and/or attention (Transformer variations like BERT, GPT, ..) based neural networks.
Should have developed and deployed one such model from scratch.
Know the trade off between choosing the techniques
Working knowledge on Knowledge Graph representation learning using Graph Neural Network (GraphSage/GAT/Graph Transformer ..) is a plus
Excellent understanding of ML/DL frameworks (Keras/Tensorflow/PyTorch etc.) and libraries (scikit-learn, etc.)
Excellent understanding of computer science fundamentals, data structures, and algorithms.
Should have familiarity with object-oriented design methodology and application development in Python.
Familiar with Big Data related technologies to manage large volumes of complex data (SQL, pyspark).
Knowledge of Scala is a plus
Passion to learn and build quick POCâs with state-of-the-art ML/DL algorithms.
Challenging the norm, creative thinking, collaboration
Working experience of fraud risk is plus
BS in Computer Science or MS in Data Science discipline (or equivalent).
Why join us:
Because you get an opportunity to make a difference, and have a great time doing that
You are challenged and encouraged here to do stuff that is meaningful for you and for those we serve
You should work with us if you think seriously about what technology can do for people
We are successful, and our successes are rooted in our people’s collective energy and unwavering focus on the customer, and that’s how it will always be.
Learn more about the exciting work we do in Tech by reading our Engineering blogs
If you are the right fit, we believe in creating wealth for you.
With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants â and we are committed to it.
Indiaâs largest digital lending story is brewing here. Itâs your opportunity to be a part of the story!