Data Scientist - Credit Risk

Funding Societies | Modalku is the largest SME digital finance platform in Southeast Asia. We are licensed and operating in Singapore, Indonesia, Thailand, Malaysia and Vietnam, and backed by Sequoia India (Peak XV), Softbank Vision Fund, Khazanah and SMBC bank amongst many others. Funding Societies | Modalku provides business financing to small and medium-sized enterprises (SMEs), which is funded by individual and institutional investors, as well as payments solutions to SMEs and consumers.

Here at Funding Societies | Modalku we live by our core values GETFS:

• Grow Relentlessly: Strive to become our best, most authentic selves.
• Enable Teamwork, Disable Politics: Only by forging togetherness, we help each other succeed.
• Test Measure Act: Stay curious and reinvent ourselves, through innovation and experimentation.
• Focus on Impact: Create impact through bias for action and tangible results.
• Serve with Obsession: Build win-win relationships for the long-term by having a customer obsession.

Key Responsibilities

• Model Development: Build machine learning models for credit scoring, risk profiling, fraud detection, and customer segmentation. This covers data preparation, feature engineering, and benchmarking against existing scoring logic and business rules.
• Model Validation & Monitoring: 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.
• Analysis & Insights: Perform exploratory and deep-dive analyses on borrower and portfolio data to answer impactful business questions, and present findings in clear, concise summaries.
• Pipelines & Automation: Contribute to model training, scoring, and monitoring pipelines, writing clean, version-controlled, reproducible code.

Requirements

• 2+ years of experience in data science or statistics, including hands-on model development. Exposure to financial services or fintech is a plus.
• Degree in statistics, mathematics, computer science, economics, data science, or a related quantitative field.
• Proficiency in Python (pandas, scikit-learn or similar) and SQL.
• Ability to work independently and manage multiple projects simultaneously.
• Strong attention to detail and clear written communication.

Benefits

• Time off - We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries.
• Flexible working - We believe in giving back the control of work & life to our people. We trust our people and love to provide the space to accommodate each and everyone's working style and personal life.
• Medical benefits - We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their backs for their loved ones too.
• Mental health and wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we organize org-wide fitness initiatives and engage partners to provide well-being coaching.
• Tech support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity

Interested to know more about us? Learn about our Stories here.