Senior Data Scientist - Lending

Job description

**About the Role** In this role, you will be an integral player within Data Science team based on Jakarta. You will take the wheel in building, evaluating, and monitoring credit risk models for a variety of consumer and merchant lending products GoPay offers in Indonesia. Your responsibilities will include enhancing our credit risk models by leveraging innovative and cutting-edge algorithms on GoTo data and third-party data vendors. Most importantly, your efforts will work to bring wider financial inclusion to more people in the region and beyond. ### What You Will Do - **Drive End-to-End Impact:** Take complete ownership of the machine learning lifecycle. You will conceptualize, build, deploy, and monitor data models that directly influence key business metrics and bottom-line results. - **Innovate Credit Risk Strategy:** Lead the development of advanced consumer credit risk models. Apply rigorous statistical analysis and ML techniques to optimize lending decisions, balance risk, and fuel sustainable business growth. - **Partner with Product & Business:** Act as a strategic bridge between data and business strategy. Collaborate closely with cross-functional teams to translate ambiguous business challenges into scalable, production-ready data science solutions. - **Champion Technical Excellence:** Set the standard for robust model evaluation and clear documentation. You will advocate for data science best practices and distill complex technical concepts into actionable insights for non-technical leadership. ### What You Will Need - Bachelor degree or above in science and engineering related majors such as statistics, mathematics, physics, computer science, etc. - At least 3 years of hands-on experience in building, evaluating, and monitoring credit risk models. - Excellent understanding of machine learning techniques and algorithms. - Comfortable using Python, SQL, and UNIX Shell. - Understand business concerns and formulate them as technical problems that can be solved using data and math/stats/ML. - Self-driven and entrepreneurial with a strong sense of ownership, and thrive in a fast-paced environment. - Good communication skills and ability to present technical concepts to a non-technical audience. - Able to write model documentation clearly and concisely and support recommendations with research and data.