Data Scientist - Risk Analytics & Modelling

cermati fintech group; Indonesia; On-site; IDR 55,800,000 - 100,440,000; Full time

Job summary

cermati fintech group is seeking a data analyst to monitor portfolio health, perform deep-dive analyses of financial datasets, and translate findings into actionable credit decisions. You will work with business, product, and engineering teams in a fast-paced data-driven environment.

The role emphasizes building SQL-based analyses, dashboards, and risk monitoring, plus occasional model evaluation to improve credit scoring.

Qualifications

• Bachelor's degree in an analytical or quantitative discipline.
• Proficient in Python, SQL, and MS Excel.
• Strong communication and teamwork skills.
• Excellent problem-solving and quick learning.
• Willingness to learn and take ownership of projects.
• Comfortable exploring large datasets and identifying anomalies.

Responsibilities

• Monitor portfolio risk metrics and flag anomalies or trends.
• Perform root cause analysis for deteriorating risk indicators.
• Translate findings into concrete recommendations and actions.
• Build and maintain SQL-based features, analyses, and dashboards for risk surveillance.
• Occasionally evaluate models to support credit scoring improvements.

Skills

Python

SQL

Excel

Communication

Problem-solving

Ownership

Education

Bachelor's degree in analytics/quantitative field

Tools

SQL

Python

Excel

Job description

Job Description

We're looking for candidates with strong analytical skills and hands-on experience working with financial datasets. You will be responsible for monitoring portfolio health, performing deep-dive exploration and analysis to identify risk drivers and improvements in our existing framework, and translating findings into actionable credit decisions. You will partner with business, product, and engineering teams to solve some of the most challenging problems in lending while also continuously improving portfolio quality by balancing risk control with growth opportunities. You will be embedded in a fast-paced environment, working within a strong team of data scientists with access to a robust data infrastructure.

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

Qualifications

• Fresh Graduate/Bachelor's degree in an analytical or quantitative discipline (e.g. math, statistics, engineering, computer science), 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.