Data Scientist - Risk Analytics & Modelling

Cermaticom; Jakarta Pusat; On-site; IDR 180,000,000 - 240,000,000; Full time

Job summary

Cermaticom is seeking a data-oriented professional to monitor portfolio risk and explore financial datasets. You will work with business, product, and engineering teams to identify risk drivers and translate findings into credit decisions.

You will build SQL-based analyses and dashboards for ongoing risk surveillance, while also evaluating models to improve credit scoring in a fast-paced data science environment.

Qualifications

• Fresh graduates or degree holders in analytical/quantitative disciplines are welcome.
• Proficient in Python, SQL, and Excel for data processing and analysis.
• Strong communication and teamwork skills.
• Excellent problem-solving ability and eagerness to learn new tech.
• Willing to own projects and work hands-on with data.

Responsibilities

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

Skills

Statistical analysis

Python

SQL

MS Excel

Communication

Teamwork

Problem solving

Learning agility

Project ownership

Data exploration

Education

Bachelor's degree in analytics or quantitative field

Tools

Python

SQL

MS Excel

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

Requirements

• 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.