GoTo Financial - Lead Data Scientist - Lending

GoTo Group; Indonesia; Presencial; IDR 420.000.000 - 660.000.000; Tempo integral

Resumo da vaga

GoTo Group in Jakarta is seeking a senior Data Scientist to own end-to-end credit risk modeling for GoPay lending products. You will build, evaluate, and monitor models using GoTo data and third-party data, driving improvements in risk decisions and financial inclusion across Indonesia.

Lead a small DS team, mentor colleagues, collaborate with product and business teams to prototype and deploy scalable models, document methodologies, and present insights clearly to non-technical stakeholders.

Qualificações

• Bachelor degree or above in statistics, mathematics, physics, computer science or related fields.
• 6–7 years hands-on experience building, evaluating, and monitoring risk models.
• Excellent understanding of machine learning techniques and algorithms.
• Proficient in Python, SQL, and UNIX Shell.
• Ability to translate business concerns into technical problems and solutions.

Responsabilidades

• Own end-to-end modeling initiatives and business outcomes/metrics.
• Collaborate with business/product teams to prototype and implement DS models.
• Recruit, mentor, and develop a high-performing DS team.
• Oversee development of consumer credit risk models and analyses to optimize decisions.

Conhecimentos

Machine Learning

Strong communication

Problem solving

Self-driven

Ownership

Formação

Bachelor's degree in STEM

Ferramentas

Python

SQL

UNIX Shell

Descrição da vaga

About The Role

In this role, you will be an integral player within Data Science team based on Jakarta. You will take the wheel in building, evaluating, and monitoring credit risk models for a variety of consumer and merchant lending products GoPay offers in Indonesia. Your responsibilities will include enhancing our credit risk models by leveraging innovative and cutting-edge algorithms on GoTo data and third-party data vendors. Most importantly, your efforts will work to bring wider financial inclusion to more people in the region and beyond.

What You Will Do

• Own end-to-end modeling modeling initiatives and business outcomes / metrics.
• Work with the business/product team in defining, prototyping, and implementing data science models and other supporting DS initiatives.
• Recruit, mentor, and develop a high-performing data science team, fostering a culture of collaboration and innovation.
• Oversee the development of consumer credit risk models and statistical analyses to optimize decision-making and business outcomes.

What You Will Need

• Bachelor degree or above in science and engineering related majors such as statistics, mathematics, physics, computer science, etc.
• At least 6-7 years of hands‑on experience in building, evaluating, and monitoring risk models.
• Excellent understanding of machine learning techniques and algorithms.
• Comfortable using Python, SQL, and UNIX Shell.
• Understand business concerns and formulate them as technical problems that can be solved using data and math/stats/ML.
• Self-driven and entrepreneurial with a strong sense of ownership, and thrive in a fast-paced environment.
• Good communication skills and ability to present technical concepts to a non-technical audience.
• Able to write model documentation clearly and concisely and support recommendations with research and data.

About The Team

Our team leverages big data from the GoTo universe, as well as external data, to build various predictive models to support the risk strategy team in real-time credit underwriting and management of the customer lifecycle Cicil (BNPL) and Pinjam (cash loans) products. As our model scores are key inputs to risk decisioning (e.g. approval/rejection of loans, credit limit adjustments), we are also able to see the direct impact of our models on the business and our customers.

We are a growing team and are constantly looking for opportunities to use data science to enhance our credit and fraud risk management capabilities. We are focused on growth and efficiency. We are all about open knowledge sharing and self-improvement. We believe that Data Science is a team sport.

About GoTo Group

GoTo is the largest digital ecosystem in Indonesia. GoTo's mission is to empower progress by offering technology infrastructure and solutions that help everyone to access and thrive in the digital economy.

The GoTo ecosystem provides a wide range of services, including mobility, delivery, payments, financial services, and technology solutions for merchants. The ecosystem also provides e-commerce services through Tokopedia and banking services through its partnership with Bank Jago.

About Gojek

Gojek is Southeast Asia's leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.

About GoTo Financial

GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.

GoTo and its business units, including Gojek and GoToFinancial (GoTo) only post job opportunities on our official channels on our respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.