Explore Jobs and Careers
Welcome to bluCognition – where innovation meets expertise in data and risk management. At bluCognition, we believe in harnessing the power of data to navigate the complexities of risk, empowering our clients to make informed decisions that drive their success. bluCognition is an equal opportunity employer and celebrates diversity to ensure an inclusive environment for all employees. We are a dynamic and forward-thinking team and always on the lookout for talented individuals to join us on this exciting journey. Trust us to find the right opportunity for you.
Open Positions
Operations
10 Openings Full-Time
Analyst/ Sr Analyst Credit Abuse Operations
Shift - Fixed, Day Shift
Location - Pune
Analyst/ Sr. Analyst in the Credit Abuse Operations’ process for a premier US-based Telecom client, renowned as an industry leader and one of the most esteemed companies in the telecommunications sector.
Analyst/ Sr. Analyst in the Credit Abuse Operations’ process for a premier US-based Telecom client, renowned as an industry leader and one of the most esteemed companies in the telecommunications sector. You will be responsible for manually reviewing credit abuse /fraud suspect cases, leveraging external research and expertise of lending, credit, fraud and credit abuse policies. You will also play a critical role in identifying and investigating potential instances of fraud, assessing risk, and implementing strategies to mitigate fraudulent activities.
- Conduct thorough manual reviews of credit abuse / fraud suspect cases to identify suspicious activities and potential fraud indicators
- Utilize MS Excel proficiency to analyze large datasets and extract meaningful insights related to lending, credit, and financial transactions
- Collaborate with cross-functional teams including risk management, credit, fraud, compliance, and legal departments to invetigate and resolve fraud cases efficiently and effectively
- Stay abreast of industry trends, regulations, and best practices related to fraud detection and prevention in lending and financial services
- Develop and maintain comprehensive documentation of fraud cases, investigation findings, and resolution actions taken
- Assist in the development and implementation of fraud prevention strategies, policies, and procedures
- Bachelor's degree in any field.
- Minimum of 2 years of experience in a similar role within the financial services industry, with a focus on credit abuse / fraud detection and prevention.
- Experience working with Credit Abuse/ Fraud role in a US-based company is strongly preferred
- Demonstrated expertise in manual credit abuse / fraud review processes and data analysis techniques.
- Strong understanding of lending principles, loan products, credit risk management, and financial transactions.
- Excellent analytical skills with the ability to interpret financial data and identify patterns or anomalies indicative of fraudulent activities.
- Effective communication skills with the ability to articulate findings and recommendations to diverse stakeholders.
- Detail-oriented, organized, and able to manage multiple priorities in a fast-paced environment.
- Team player with a collaborative mindset and a commitment to upholding ethical standards and confidentiality.
- Thorough understanding of the functions and diverse features of MS Office applications such as Excel, Word, PPT etc. with strong emphasis on generating management information system (MIS) reports and dashboards using advanced Excel features.
Operations
10 Openings Full-Time
Analyst/ Sr Analyst Recoveries Bankruptcy
Shift - Fixed, Day Shift
Location - Pune
Analyst/ Sr. Analyst in the Recoveries Bankruptcy back-office process for a premier US-based Telecom client, renowned as an industry leader and one of the most esteemed companies in the
Analyst/ Sr. Analyst in the Recoveries Bankruptcy back-office process for a premier US-based Telecom client, renowned as an industry leader and one of the most esteemed companies in the telecommunications sector.
- Complete assigned Bankruptcy tickets to achieve daily deliverables.
- Research accounts to determine the qualification of Bankruptcy (Chapter 7 and 13 filings).
- Resolves and close Bankruptcy disputes.
- Accountable to take necessary actions on Bankruptcy filings.
- Follow Bankruptcy compliance guidelines.
- Accountable for Occupancy and Quality Assurance.
- Assist in identifying and report process gaps.
- Remains current and knowledgeable on every aspect of Telecom Bankruptcy processes.
- Assist with special projects, such as testing new applications.
- Assist with new hire training when needed.
- Bachelor’s qualification in any field.
- 1 to 3 years of relevant experience.
- Experience working with bankruptcy filings in a US-based company preferred.
- Telecom industry experience preferred, but not mandatory.
- MS Office - Thorough understanding of the functions and diverse features of MS Office applications such as Excel, Word, etc.
- Strong eye for details with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy.
- Good communication skill, with proficiency in English.
- Ability to work independently with minimum guidance.
Operations
1 Opening Full-Time
Analyst/ Sr Analyst Credit Risk Underwriter
Shift - Fixed, Day Shift
Location - Pune
You will be part of a dynamic team providing end-to-end underwriting solutions, deep analysis, and impactful insights as a part Credit risk management process of the client’s business lending portfolio in the US.
You will be part of a dynamic team providing end-to-end underwriting solutions, deep analysis, and impactful insights as a part Credit risk management process of the client’s business lending portfolio in the US. You will be part of the team which is responsible for smooth operation of the client’s automation tools which is an integral part of their credit lending process. We are looking for candidates with understanding in financial concepts, business analytics, financial valuation & forecasting, using applications of MS Office.
- Understanding and analysing financial documents (annual statements, profit & loss, balance sheet, cashflows, Tax Statements, Bank Statements, etc) for US, Canada and LATAM entities.
- Comfortable in deriving a comprehensive understanding of the position of the entity for which the financial documents have been provided. Along with this, conducting external research on entities, as well as utilizing online platforms to verify the authenticity of these entities.
- Handling daily process case files and operations which involves spreading, analysis and decisioning in either excel / client portal.
- Handling routine volumes of queues prompted by automation tools utilized by clients.
- Accustomed to multiple processes and must possess the versatility to step in whenever necessary.
- Maintaining regular trackers, reports, MIS, and templates, etc.
- Coordinating with other Stakeholders (Technology Team / Management / Client) to ensure sanity & hygiene in data process operations and should be proficient in communication for the same.
- Minimum Bachelors qualification in B. Com, BA, B.Sc. or related field, MBA/M. Com with understanding of finance preferred
- 1 to 3 years of relevant experience.
- Financial services (Banks, Fintech, etc.) are preferred, but not mandatory.
- Understanding of Financials Statements with the ability to derive entity’s financial standpoint from a Credit Risk perspective.
- MS Office - Thorough understanding of the functions and diverse features of MS Office applications such as Excel, Word, PowerPoint, etc.
- Analytical rigor - ability to work in unstructured environments with clarity of thought.
- Ability to work with data - expertise and comfort with extracting, transforming, and deriving insights from data.
- Excellent written and verbal communication skills and be able to prepare presentations for executive level audience.
- Open to flexible working hours.
Analytics
1 Opening Full-Time
Analyst Credit Risk
Shift - Fixed
Location - Remote
The Credit Risk - Analytics team is a group that builds strategy for credit risk and conducts all analytical functions . As a Credit Risk Senior Analyst, you will work closely with data scientists and other partner teams to deliver solutions for risk and improve credit decision systems for Zip Co.
The Credit Risk - Analytics team is a group that builds strategy for credit risk and conducts all analytical functions . As a Credit Risk Senior Analyst, you will work closely with data scientists and other partner teams to deliver solutions for risk and improve credit decision systems for Zip Co.
- Deliver risk solutions across credit risk (underwriting, exposure controls and line management)
- Work with stakeholders across product management, data science, and engineering to build relationship with the partner teams and drive implementation of risk strategies
- Manage challenging time constraints to ensure on-time delivery of projects
- Build credit analysis models and provide data-driven insight on improving efficiency and effectiveness of the credit risk systems.
- Generate risk management reports for monitoring of acceptance rates
- Evaluating existing and new data sources to identify opportunities for customized and optimized data solutions that address business needs
- Collect data, analyse, and identify key differentiating indicators for risk segmentation and for driving effective risk mitigation strategies.
- Work closely with partner teams in identifying, evaluating, and recommending new data that helps in risk differentiation.
- Analyse loss trends and simulate risk decisioning strategies that help optimize revenue, approval rates etc.
- Work closely with data science team and recommends credit risk decisioning and model deployment strategy.
- Build a risk scorecard that leverages both internal performance data and external performance data that will be leveraged for credit decisioning at both underwriting and account management reviews for existing customers.
- Collates analysis and builds presentations that helps articulate the risk strategy for the leadership team.
- Quantitative background in engineering, statistics, math, economics, business, or related disciplines.
- 1+ years’ experience in analysing data and using database query language (e.g. SQL) analysis and programming and developer tools such as Python, R , databricks in a finance or analytics field.
- Experience in working with non-traditional data such as social media will be a big plus.
- Prior model building experience is a plus but not critical.
- Possesses analytical mindset and strong problem-solving skills. Attention to detail and ability to multitask.
- Comfortable working in a fast-paced environment and dealing with ambiguity.
- Possesses strong communication, interpersonal and presentation skills; and ability to engage and collaborate with multiple stakeholders across teams.
- Extremely proactive communicator willing to raise flags when needed and keep team members informed of ongoing risk or fraud related activities.
Technology
Machine Learning Engineer
Shift - Fixed
Location - Remote
As the Machine Learning Engineer in the MLE team, you will work closely with Sr ML Engineer, data scientists and other partner teams to deliver incredible experiences for Zip’s customers by developing world-class AI/machine learning technology and MLOps capabilities.
As the Machine Learning Engineer in the MLE team, you will work closely with Sr ML Engineer, data scientists and other partner teams to deliver incredible experiences for Zip’s customers by developing world-class AI/machine learning technology and MLOps capabilities.
- Develop, grow, and support the Machine Learning Engineering team
- Promote a high-performance culture
- Participate in roadmap and project planning
- Drive delivery and outcomes
- Delegate effectively
- Apply and promote best engineering practices on ML Ops
- Perform architectural design and help your team solve complex problems
- Technical excellence across design principles and code quality
- Focus on operational maturity and effective delivery
- Comfortable challenging directly whilst caring personally
- Flexibility, an open mind, curiosity, and passion for learning
- Our values in your DNA: Customer First, Own It, Stronger Together, and Change the Game
- 2 to 5 years of experience building machine learning systems in applied settings;
- Understanding of common ML problems and solutions, such as classification, clustering, data processing, feature engineering, modeling, training, evaluation, etc.
- Experience in ML Ops, including the design, implementation, optimization, management, and maintenance of ML pipelines. Past experience in implementing ML systems is a plus.
- Flexibility, an open mind, curiosity, and passion for learning
- Experience in working with model monitoring systems.
- Familiarity with one or more areas: ML infrastructure, Ops, ML pipelines, algorithms, statistical methods, and analytics to solve real-world engineering problems
- Familiarity with industry standards and best practices in ML Ops, familiarity with (CI/CD) practices and tools is a plus but not necessary.
- Familiarity with building container-based systems; relational and dimensional data modeling techniques is a plus.
- Strong software engineering skills across multiple languages Python, R, C/C++, etc., and ML packages (e.g., scikit-learn, TensorFlow, Caffe, Theano, Torch)
- Experience in Azure infrastructure
- Experience in Agile Development, such as sprint planning, project management, etc.
- Excellent verbal and written communication skills
- Experience with one or more Managed ML systems, such as Azure ML, ML flow
- Experience with one or more DBs: CosmosDB, MySQL etc.
- Bonus: Experience with feature stores such as Feast, Feathr, etc.
- Experience with programming languages: Python
- Experience with Apache Spark, Databricks, and Snowflake Data Cloud
- Plus: Experience with managing containerized services (Kubernetes, Docker, etc.)
- Experience with Microsoft Azure Cloud Services
Data Science
Data Scientist
Shift - Flexible
Location - Remote
As Data Scientist, you will leverage your creative and critical thinking skills to develop best-in-class models that have a meaningful impact on the Zip team. These models will support our credit and fraud risk, customer experience, marketing and beyond.
As Data Scientist, you will leverage your creative and critical thinking skills to develop best-in-class models that have a meaningful impact on the Zip team. These models will support our credit and fraud risk, customer experience, marketing and beyond. Having you aboard will enable us to have more models released to production, quicker iteration, and broader coverage of addressing business problems through scientific methods. Core KPIs for this position correspond to extra revenue generated/costs saved from releases. The role is also meant to support compliance, documentation, and knowledge sharing in regards to model governance & review.
- Develop, validate and deploy ML models, optimization solutions, inference techniques to solve complex problems and communicate ideas to internal stakeholders
- Extract and explore data, validate data integrity, perform ad hoc analysis, evaluate new data sources to improve models
- Maintain robust documentation of approach and techniques used; including objectives, assumptions, performance, weaknesses, and limitations
- Be ready to adapt to new tools/libraries/technologies/platforms
- Actively partner with engineers to validate & deploy scalable solutions
- Collaborate to gather insight from partners across the organization
- Further develop expertise in data science and engineering through self-study, project exposure and guidance of senior team members
- Degree in a quantitative field (e.g., computer science, data science, engineering, economics, mathematics, etc.). Advanced degree preferred.
- 3+ years of Data Science experience
- 2+ years in financial services
- Deep knowledge of Machine Learning Modeling.
- Experience building and implementing models in production is preferred.
- Proficient with Python
- Proficient with SQL
- Practical experience using Spark is a plus
- Understanding Deep Learning methods is a plus
- Technical understanding of algorithm complexity, probability& statistics
- Self-driven with an aptitude for independent research & problem-solving
- Ability to multi-task in a fast-paced environment is essential
- Experience with Git
Diversity, Equity and Inclusion at bluCognition
At bluCognition, Diversity, Equity, and Inclusion (DE &I) are not just buzzwords – they are fundamental principles that shape our identity, drive innovation and contribute to the success and well-being of our entire workforce. We are committed to cultivating a robust culture of DE&I that permeates every aspect of our operations. We recognize that embracing diversity goes beyond mere representation; it is about creating an environment where every individual feels valued, included, and empowered to contribute their unique perspectives.