Data Scientist - Credit Risk & Scoring
- Jakarta
- Permanent
- Full-time
- Develop, validate, and monitor credit risk models and credit scoring algorithms using statistical and machine learning techniques.
- Analyze customer behavior, repayment patterns, and portfolio performance to identify risk trends and opportunities.
- Collaborate with product, risk, and engineering teams to integrate scoring models into lending platforms.
- Design and implement data pipelines and feature engineering processes for model development.
- Conduct stress testing, scenario analysis, and model performance tracking.
- Ensure compliance with regulatory standards and internal risk policies.
- Bachelor's or Master's degree in Data Science, Statistics, Mathematics, Computer Science, or a related field.
- 3-5 years of experience in credit risk analytics, credit scoring, or financial modeling.
- Proficiency in Python, R, SQL, and data visualization tools (e.g., Tableau, Power BI).
- Strong understanding of statistical modeling, machine learning, and data mining techniques.
- Experience with lending platforms, credit bureaus, and financial datasets is a plus.
- Excellent communication skills and ability to translate complex data insights into actionable business strategies.
- Competitive salary and performance-based bonuses.
- Opportunities for professional growth and leadership.
- Collaborative and innovative work environment.
- Flexible work arrangements and wellness programs.