Data Scientist - Fraud & Risk

PT Trinusa Travelindo; Daerah Khusus Ibukota Jakarta; On-site; USD 30,000 - 70,000; Full time

Job summary

Join a dynamic tech startup revolutionizing the Indonesian travel marketplace! As a key member of the data science team, you will tackle complex challenges in credit risk modeling and leverage your expertise in Python and machine learning to optimize strategies. Collaborate with cross-functional teams to drive impactful decisions, ensuring high-quality data pipelines and model performance. This role offers an exciting opportunity to work with talented professionals in a vibrant environment where your contributions will make a real difference in the travel industry. If you're passionate about data and innovation, this is the place for you!

Qualifications

• 3+ years of experience in data science focused on credit risk modeling.
• Strong knowledge of credit risk and anti-fraud in consumer lending.

Responsibilities

• Develop and enhance risk models for credit default and anti-fraud.
• Communicate insights to technical and non-technical stakeholders.

Skills

Python

Machine Learning

Statistical Techniques

SQL

Data Processing

Credit Risk Modeling

Anti-Fraud Strategies

Education

Bachelor's in Computer Science

Master's in Data Science

Ph.D. in Statistics

Tools

scikit-learn

LGBM

XGBoost

GCP

Docker

Job description

It's fun to work in a company where people truly BELIEVE in what they're doing!

Job Description

Our data science team is responsible for solving complex problems and optimizing various aspects of Traveloka’s business. You will get a wide range of exciting opportunities to bring impact by helping to make decisions at scale across our various business lines, and get to work with the brightest minds in the industry. Join us in revolutionizing the travel industry through data!

Key Responsibilities:

Partner with Risk, Product, Anti-Fraud, and Business Teams to understand risk challenges and define data-driven strategies.

Develop and enhance risk models for Probability of Default (PD)/Loss Given Default (LGD)/Exposure at Default (EAD) and anti-fraud models using machine learning and statistical techniques.

Design, validate, and maintain risk-based labels (e.g., DPD buckets, NPL status) to ensure consistency and reliability in model training.

Optimize credit strategies using simulation techniques to assess the impact of new policies on loan book performance.

Work closely with Data Engineering teams to ensure high-quality, scalable data pipelines for real-time/scheduled model predictions and performance monitoring.

Oversee and manage multiple credit risk modeling projects, ensuring alignment with business objectives, timelines, and regulatory requirements.

Communicate insights effectively to both technical and non-technical stakeholders, including risk managers and senior executives.

Requirements

Qualifications:

Bachelor’s/Master’s/Ph.D. in a quantitative field (Computer Science, Data Science, Statistics, Economics, Finance, or related).

3+ years of experience in data science, preferably with a focus on credit risk modeling, loan portfolio analytics, or financial risk assessment.

Strong knowledge of credit risk/anti-fraud in the consumer lending domain.

Expertise in Python and machine learning/statistics libraries (scikit-learn, LGBM, XGBoost, etc).

Proficiency in SQL and data processing libraries for analyzing large-scale credit and transaction datasets.

Experience with cloud-based technologies (GCP preferred) and Docker for scalable model deployment.

Ability to translate business objectives into data-driven risk strategies and communicate findings effectively.

Good to Have:

Experience with Deep Learning frameworks (PyTorch, TensorFlow) for alternative credit risk modeling.

Familiarity with alternative data sources for credit scoring (e.g., transaction data, behavioral data).

Knowledge of real-time credit decisioning systems and implementation of adaptive risk strategies.

Experience with A/B testing for credit policy optimization.

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!

Traveloka (traveloka.com) is a tech startup based in Jakarta. We aim to revolutionize Indonesian travel marketplace and make it more accessible to travelers across the country. Since it is a mammoth of a task, we'd love to have talented people from diverse backgrounds who can help us achieve our mission. We are committed to building a dynamic workplace where people truly enjoy their work and feel that they can really have an impact.

Traveloka (traveloka.com) is a tech startup based in Jakarta. We aim to revolutionize Indonesian travel marketplace and make it more accessible to travelers across the country. Since it is a mammoth of a task, we'd love to have talented people from diverse backgrounds who can help us achieve our mission. We are committed to building a dynamic workplace where people truly enjoy their work and feel that they can really have an impact.

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