Job Description

Full Time

Sri City

Krea University

Job Title: Krea Research Assistant for ICSSR Major Research Grant 2024-25

Project:

The Role of Alternative Data in Expanding Credit Access: A Study of Fintech Innovations in India.

Department:

IFMR GSB Krea University

Project and job description:

Applications are invited for the position of Research Assistant (RA) under the ICSSR Major Research Project titled:

"The Role of Alternative Data in Expanding the Credit Access: A Study of Fintech Innovations in India".

This study examines the impact of these fintech-driven innovations on expanding credit to low-income and underserved segments in India. It explores how alternative data is being used to create more inclusive credit-scoring models, thus mitigating the risk for lenders while increasing credit accessibility for individuals and small businesses previously excluded by formal financial systems. The study also highlights the challenges associated with the use of alternative data, including privacy concerns, regulatory constraints, and the potential for data biases. Through a combination of case studies, interviews with industry experts, and an analysis of regulatory frameworks, this research provides a nuanced understanding of the opportunities and limitations of alternative data in transforming India's credit landscape. The findings suggest that while alternative data offers immense potential to democratize credit access, a robust regulatory and ethical framework is essential to ensure responsible usage and protect consumer rights. The study concludes by offering recommendations for policymakers, fintech companies, and financial institutions to optimize the use of alternative data in expanding credit inclusion in India.

:

- Conduct a literature review and support the development of the research framework.



- Assist in primary data collection, field surveys, and stakeholder interviews.



- Analyze primary and secondary data using econometric tools (e.g., STATA, R, Python).



- Draft reports, research briefs, and academic publications.



- Coordinate with fintech stakeholders, MSMEs, and data partners.



- Support overall administrative and research activities of the project.

Job Location:

Sri City

Duration:

22 Months

Required Qualification:

- Postgraduate degree in Economics, Finance, Public Policy, or related Social Science disciplines with at least 55% marks.



- Qualified NET/M.Phil./Ph.D. as per ICSSR norms.

Desired skills:

Desirable:



- Experience in fintech, development finance, or MSME-related research.



- Knowledge of statistical software and research documentation.



- Strong writing and communication skills.



Application Procedure:



Interested candidates may apply by sending a single PDF file containing:



Updated CV

Cover Letter

Academic Certificates (PG and above)

NET/M.Phil./Ph.D. proof

Remuneration:

26,000/-

Application requirements:

Resume.

Cover letter that describes your academic interests, your experience as an academic instructor if you have tutored or taught before, and why you're interested in teaching undergraduate.

A chapter from your thesis or a substantial piece of academic.

Provide names and email IDs of 3 referees.

Email these materials to

: jyoti.kumari@krea.edu.in Please write to this email address if you have any questions.

Deadline and starting date:

Review of applications will begin on

30.07.2025

. Applications will continue to be accepted till a suitable candidate is found.



Shortlisted candidates will be interviewed.

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Note : Only shortlisted candidates will be contacted.