Data Scientist: Risk Analytics & Credit Modelling

Cermati.com; Jakarta Pusat; On-site; IDR 89,280,000 - 133,920,000; Full time

Job summary

Cermati.com is seeking a junior data analytics professional to monitor portfolio risk, perform deep-dive exploration on financial datasets, and translate findings into actionable credit decisions. You will partner with business, product, and engineering teams to solve challenging problems in lending while contributing to portfolio quality and growth.

You will be embedded in a fast-paced data science team with access to robust data infrastructure and opportunities to learn new techniques and

Qualifications

• Fresh Graduate/Bachelor's degree in an analytical or quantitative discipline, however other disciplines will be considered
• Experienced in using statistical computer languages such as Python, SQL, and MS Excel
• Have good communication skills and able to work together in a team
• Excellent problem-solving skills and have the drive to learn and master new technologies and techniques
• Willingness to learn new skills independently and have a strong sense of project ownership
• Not afraid to get your hands dirty exploring data, investigating anomalies, and building SQL-based analyses
• Comfortable working with large tabular datasets to detect trends and anomalies, and communicating findings as actionable recommendations.
• Exposure to credit scoring modelling concepts is a plus.

Responsibilities

• Monitor portfolio risk metrics on a regular basis and proactively flag anomalies or emerging trends
• Perform root cause analysis when risk indicators deteriorate to pinpoint what's driving the change, such as identifying suspicious behavioral patterns
• Translate findings into concrete recommendations and implement adjustments as needed
• Build and maintain SQL-based features, analyses, and monitoring dashboards to support ongoing risk surveillance
• Perform occasional model evaluation to support credit scoring improvements

Skills

Python

SQL

MS Excel

Communication

Teamwork

Problem-Solving

Education

Bachelor's degree in analytical or quantitative discipline

Tools

Python

SQL

MS Excel

Job description

Cermati.com is seeking a junior data analytics professional to monitor portfolio risk, perform deep-dive exploration on financial datasets, and translate findings into actionable credit decisions. You will partner with business, product, and engineering teams to solve challenging problems in lending while contributing to portfolio quality and growth.

You will be embedded in a fast-paced data science team with access to robust data infrastructure and opportunities to learn new techniques and