Data Science Lead - Consumer Lending (SG)
About the job
Summary
As a Data Science Lead at GoTo Financial in Singapore, you'll oversee the building, evaluation, and monitoring of credit risk models for consumer and merchant lending products in Indonesia. Responsibilities include feature engineering using GoTo and third-party data, ensuring model stability and scalability, and working with product teams on model implementation. You'll own end-to-end modeling initiatives, perform ad-hoc analysis, and present findings to stakeholders. Your work directly impacts financial inclusion in the region. The role requires strong mathematical and statistical skills, proficiency in Python, SQL, and machine learning, and excellent communication abilities.
Must have:
- Build and monitor credit risk models
- Feature engineering (GoTo & external data)
- Proficient in Python, SQL, Machine Learning
- Excellent communication & presentation skills
- End-to-end model ownership
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In this role, you will be an integral player within the GoFinance Data Science team based in Singapore. You will take the wheel in overseeing building, evaluating, and monitoring credit risk models for a variety of consumer and merchant lending products GTF offers in Indonesia. Your responsibilities will include enhancing our credit risk models through heavy feature engineering of GoTo data as well as data purchased from third-party data vendors, and ensuring that they are stable and scalable in the production environment. Most importantly, your efforts will work to bring wider financial inclusion to more people in the region and beyond.
What You Will Do
- Explore and engineer features using data from the GTF ecosystem and external data vendors for our data science models and anti-fraud monitoring
- Build, evaluate, deploy and monitor consumer credit risk models for a variety of financial products offered by GTF.
- Work with the business/product team in defining, prototyping, and implementing data science models and other supporting DS initiatives.
- Own end-to-end modeling initiatives and business outcomes / metrics.
- Perform ad-hoc analysis and present results in a clear and concise manner.
- Prepare model documentation and other supporting documents for business stakeholders and auditors
What You Will Need
- Bachelor degree or above in science and engineering related majors such as statistics, mathematics, physics, computer science, etc.
- At least 2-3 years of hands-on experience in building, evaluating, and monitoring risk models.
- Excellent understanding of mathematics and statistics
- Good 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
- Proficient in data preprocessing, model training, evaluation, and optimisation.
- 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
- Ability to work independently to solve problems and develop solutions
- Able to write model documentation clearly and concisely and support recommendations with research and data
Our team leverages big data from the Gojek, Tokopedia and GoTo Financial universe, as well as external data, to build various predictive models to support the risk strategy team in real-time credit underwriting and management of the customer lifecycle. We use models to predict the customer’s probability to default on our Cicil (BNPL) and Pinjam (cash loans) products, and use this score to risk-rank our customers. As our model scores are key inputs to risk decisioning (e.g. approval/rejection of loans, credit limit adjustments), we are also able to see the direct impact of our models on the business and our customers.
We are a growing team and are constantly looking for opportunities to use data science to enhance our credit and fraud risk management capabilities. We are focused on growth and efficiency. We are all about open knowledge sharing and self-improvement. We believe that “Data Science is a team sport.”
About GoTo Group
GoTo Group is the largest digital ecosystem in Indonesia with its mission to “Empower Progress’ by offering technological infrastructure and solutions for everyone to access and thrive in the digital economy. The GoTo ecosystem consists of on-demand transportation services, food and grocery delivery, logistics and fulfillment, as well as financial and payment services through the Gojek and GoTo Financial platforms.It is the first platform in Southeast Asia that hosts these crucial cases in a single ecosystem, capturing the majority of Indonesia’s vast consumer household.
About Gojek
Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.
About GoTo Financial
GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.
GoTo and its business units, including Gojek and GoToFinancial ("GoTo") only post job opportunities on our official channels on our respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.
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About The Company
GoTo is the largest technology group in Indonesia, combining on-demand and financial services through the Gojek and GoTo Financial brands. It is the first platform in Southeast Asia to host these two essential use cases in one ecosystem, capturing a majority of Indonesian consumer household expenditure.
GoTo’s mission is to “Empower Progress” by offering an unparalleled selection of goods and services through a comprehensive merchant and partner network and promoting financial inclusion through its leading payments and financial services business.
