Credit Risk Data Scientist | AI-Driven Scoring & Pipelines

CBI Credit Bureau Indonesia; Indonesia; On-site; IDR 150,000,000 - 350,000,000; Full time

Job summary

PT Credit Bureau Indonesia (CBI) is seeking a Data Scientist to build and maintain credit risk models. You will own the full modeling cycle—from data analysis and feature engineering to model development, validation, and monitoring—in a data-sensitive financial environment.

The role requires 3–5 years in data science with credit risk experience, strong Python/SQL skills, and excellent English communication.

Qualifications

• Bachelor's degree or above in Statistics, Mathematics, Data Science, Computer Science, or related field.
• 3–5 years of professional experience in data science, including hands-on credit risk or credit scoring model development.
• Strong understanding of credit risk concepts, such as probability of default, scorecard development, and performance metrics (AUC, KS, Gini, PSI).
• Solid knowledge of common machine learning algorithms, such as logistic regression, decision trees, gradient boosting, and neural networks.
• Proficiency in Python and SQL, with experience working on large datasets.
• Good written and verbal English communication skills, with the ability to work well across functions.

Responsibilities

• Develop, validate, and maintain credit scoring and credit risk models, covering sample design, feature engineering, model training, evaluation, and documentation.
• Analyze large-scale credit data to find predictive signals and support business needs.
• Monitor model performance and stability after deployment, and recommend recalibration or redevelopment when needed.
• Research and apply new modeling methods and data-mining techniques to improve model performance.
• Present modeling results clearly to both technical and non-technical stakeholders.
• Contribute to the team's modeling infrastructure, including feature pipelines, model deployment, and code standards.

Skills

Credit risk modeling

Feature engineering

Model validation

ML algorithms

English communication

Education

Bachelor's degree or higher in Statistics, Mathematics, Data Science, Computer Science, or related field

Tools

Python

SQL

Job description

PT Credit Bureau Indonesia (CBI) is seeking a Data Scientist to build and maintain credit risk models. You will own the full modeling cycle—from data analysis and feature engineering to model development, validation, and monitoring—in a data-sensitive financial environment.

The role requires 3–5 years in data science with credit risk experience, strong Python/SQL skills, and excellent English communication.