Data Scientist - Credit Risk

About the role

Funding Societies | Modalku, the largest SME digital finance platform in Southeast Asia, is looking for a Data Scientist in Credit Risk. The workplace is hybrid and the role sits in the Data department. The company provides business financing to SMEs, funded by individual and institutional investors, and payments solutions to SMEs and consumers.

Key responsibilities

• Build machine learning models for credit scoring, risk profiling, fraud detection and customer segmentation, covering data preparation, feature engineering and benchmarking against existing scoring logic and business rules.
• Run recurring model performance and stability checks (e.g. AUC, KS, PSI, calibration), investigate drift or anomalies and escalate findings with a clear view of what changed and why it matters.
• Perform exploratory and deep-dive analyses on borrower and portfolio data to answer business questions, presenting findings in clear summaries.
• Contribute to model training, scoring and monitoring pipelines, writing clean, version-controlled, reproducible code.

Required profile

• 2+ years of experience in data science or statistics, including hands-on model development.
• Degree in statistics, mathematics, computer science, economics, data science or a related quantitative field.
• Exposure to financial services or fintech is a plus.
• Ability to work independently and manage multiple projects at once.
• Strong attention to detail and clear written communication.

Required skills

• Python (pandas, scikit-learn or similar)
• SQL

What we offer

• Flexible paid vacations and observed holidays by country, plus a day off for birthdays and work anniversaries.
• Flexible working arrangements.
• Health insurance for employees and dependents.
• Mental health and wellness initiatives and well-being coaching.
• Company laptop and tech support.