Credit Analytics Data Scientist – Fintech Risk & Insights

Electrum; Jakarta Pusat; On-site; IDR 350,000,000 - 700,000,000; Full time

Job summary

Electrum is seeking a Data Scientist – Credit Analytics to build, analyze, and optimize credit risk models that support financing, rent-to-own, and partner credit programs. You will translate data into actionable insights to drive better credit decisions and portfolio performance.

You will develop data-driven frameworks for credit scoring, approval, monitoring, and loss mitigation across Electrum’s ecosystem, and collaborate with Risk, Finance, Product, and Operations teams.

Qualifications

• Bachelor’s or Master’s degree in Data Science, Statistics, Mathematics, Economics, Engineering, or related field.
• 2–5 years of experience in credit analytics, risk modeling, or financial data science.
• Strong proficiency in Python or R for data analysis and modeling.
• Solid understanding of statistical modeling, machine learning, and predictive analytics.
• Experience with structured datasets (SQL, data warehouses).
• Knowledge of credit risk concepts such as PD, LGD, EAD, NPL, IFRS 9 / PSAK 71 is a strong advantage.

Responsibilities

• Develop and maintain credit scoring models, risk segmentation, and decision frameworks.
• Analyze customer, transaction, and behavioral data to assess creditworthiness and default risk.
• Build and validate predictive models for approval rate, delinquency, default, and recovery.
• Monitor portfolio performance metrics such as NPL, PD, LGD, ECL, and vintage analysis.
• Design dashboards and monitoring tools to track portfolio health and early warning indicators.

Skills

Python or R

SQL

Statistical modeling

Machine learning

BI tools

Education

Bachelor’s or Master’s degree in Data Science, Statistics, Mathematics, Economics, Engineering

Tools

Looker

Tableau

Power BI

SQL

Job description

Electrum is seeking a Data Scientist – Credit Analytics to build, analyze, and optimize credit risk models that support financing, rent-to-own, and partner credit programs. You will translate data into actionable insights to drive better credit decisions and portfolio performance.

You will develop data-driven frameworks for credit scoring, approval, monitoring, and loss mitigation across Electrum’s ecosystem, and collaborate with Risk, Finance, Product, and Operations teams.