Credit Risk Data Scientist - AI-Driven Scoring & Insights

CBI Credit Bureau Indonesia; Jakarta Selatan; On-site; IDR 180,000,000 - 290,000,000; Full time

Job summary

Credit Bureau Indonesia (CBI) is seeking a Data Scientist to develop data-driven solutions for credit risk assessment and decision-making. The role focuses on analytics, modelling, and predictive approaches using financial and alternative data to improve risk strategies.

You will collaborate with Risk, Product, Business, and Data teams to translate findings into actionable recommendations, supporting audits and regulatory inquiries when needed.

Qualifications

• Bachelor's degree in a quantitative field.
• 4–5 years of experience in credit risk analytics or data science.
• Strong proficiency in Python and/or R, with solid SQL skills.
• Experience with credit risk modelling and predictive modelling.
• Familiarity with risk metrics such as AUC/ROC, KS, Gini, PSI, bad rate, and approval rate.
• Experience supporting OJK audits, regulatory examinations, or regulatory-facing activities is a strong advantage.
• Good English communication and ability to collaborate across functions.

Responsibilities

• Develop, validate, and optimize credit risk and scoring models to support credit assessment and decision-making.
• Conduct credit risk analytics and exploratory data analysis to identify risk drivers, trends, and portfolio insights.
• Develop and enhance algorithms and predictive models for credit scoring, risk segmentation, and customer assessment.
• Perform feature engineering, variable selection, model development, and performance evaluation.
• Research and apply statistical, machine learning, and data mining methodologies to improve model performance.
• Conduct model validation, back-testing, stability analysis, and ongoing performance monitoring.
• Translate analytical findings into actionable risk and business recommendations.
• Work closely with Risk, Product, Business, and Data teams to develop data-driven credit strategies and solutions.

Skills

Python

R

SQL

Statistics

Logistic regression

Decision trees

Random forests

Education

Bachelor's degree in quantitative field

Job description

Credit Bureau Indonesia (CBI) is seeking a Data Scientist to develop data-driven solutions for credit risk assessment and decision-making. The role focuses on analytics, modelling, and predictive approaches using financial and alternative data to improve risk strategies.

You will collaborate with Risk, Product, Business, and Data teams to translate findings into actionable recommendations, supporting audits and regulatory inquiries when needed.