Senior Credit Risk Data Scientist (Lending ML)

GoTo Group; Jakarta Pusat; On-site; IDR 300,000,000 - 600,000,000; Full time

Job summary

GoTo Group in Jakarta hosts a data science team focused on credit risk modeling for GoPay lending products in Indonesia. You will build, evaluate, and monitor risk models using GoTo data and trusted third‑party data, with a focus on expanding financial inclusion across the region.

You will own the end‑to‑end ML lifecycle, lead advanced consumer credit risk modeling, and collaborate with product and business teams to translate challenges into scalable, production‑ready solutions while maintaining

Qualifications

• Bachelor degree or higher in science/engineering fields.
• 3+ years building, evaluating, and monitoring credit risk models.
• Strong understanding of ML techniques and algorithms.
• Proficient in Python, SQL, and UNIX Shell.
• Ability to translate business concerns into technical problems.
• Self-driven, entrepreneurial with ownership in a fast-paced environment.
• Good communication and ability to present to non-technical audiences.
• Clear model documentation with data-backed recommendations.

Responsibilities

• Own the full ML lifecycle from concept to deployment and monitoring.
• Develop advanced consumer credit risk models to optimize lending decisions.
• Collaborate with product and business teams to translate challenges into scalable solutions.
• Set standards for model evaluation and clear documentation for leadership.

Skills

Credit risk modeling

Machine learning

Python

SQL

UNIX Shell

Business problem framing

Communication

Documentation

Education

Bachelor degree or higher in science/engineering fields

Tools

Python

SQL

UNIX Shell

Job description

GoTo Group in Jakarta hosts a data science team focused on credit risk modeling for GoPay lending products in Indonesia. You will build, evaluate, and monitor risk models using GoTo data and trusted third‑party data, with a focus on expanding financial inclusion across the region.

You will own the end‑to‑end ML lifecycle, lead advanced consumer credit risk modeling, and collaborate with product and business teams to translate challenges into scalable, production‑ready solutions while maintaining