Data Scientist: Risk Analytics & Credit Insights

Cermati; Jakarta Pusat; On-site; IDR 167,400,000 - 234,360,000; Full time

Job summary

Cermati seeks a data-driven analyst to monitor portfolio health using SQL and Python, translating insights into actionable credit decisions. You will collaborate with business, product, and engineering teams to enhance risk controls while supporting growth in lending.

You will join a fast-paced data science team with robust data infrastructure. Ideal candidates have a fresh or early-career background in analytics, strong programming in Python/SQL, and good communication to work across teams on

Qualifications

• Fresh Graduate/Bachelor's degree in an analytical or quantitative discipline, however other disciplines will be considered.
• Experience with Python, SQL, and Excel for data analysis is required.

Responsibilities

• Monitor portfolio risk metrics and flag anomalies or trends.
• Perform root cause analysis to identify drivers of risk changes.
• Translate findings into concrete recommendations and adjustments.
• Build and maintain SQL-based analyses and dashboards for risk surveillance.
• Occasionally evaluate credit scoring models to support improvements.

Skills

Python

SQL

MS Excel

Education

Bachelor's degree in analytical/quantitative field

Job description

Cermati seeks a data-driven analyst to monitor portfolio health using SQL and Python, translating insights into actionable credit decisions. You will collaborate with business, product, and engineering teams to enhance risk controls while supporting growth in lending.

You will join a fast-paced data science team with robust data infrastructure. Ideal candidates have a fresh or early-career background in analytics, strong programming in Python/SQL, and good communication to work across teams on