Senior Data Scientist

Impact Credit Solutions; Daerah Khusus Ibukota Jakarta; On-site; IDR 300.000.000 - 400.000.000; Full time

Job summary

A fintech company is seeking a Senior Data Scientist to improve lending processes through data solutions. The ideal candidate has over 5 years of experience in credit risk analytics, capable of developing machine learning models and managing data projects. The role offers opportunities for professional growth in a dynamic startup environment with competitive compensation and benefits.

Benefits

Challenging role in a startup environment

Opportunities for professional growth

Dynamic work environment

Competitive compensation and benefits

Qualifications

• 5+ years of experience in credit risk modeling or analytics role.
• Familiarity with regulatory reporting frameworks.
• Strong understanding of statistical models.

Responsibilities

• Translate complex business problems into analytical questions.
• Develop advanced machine learning models for credit scoring.
• Create analytics dashboards for actionable insights.

Skills

Credit risk modeling

Machine learning

Data visualization

Statistical analysis

Python

SQL

Education

Degree in a quantitative discipline

Tools

Tableau

R

Cloud platforms (AWS, Azure, Google Cloud)

Job description

Overview

Nikel is a fintech company transforming lending through smarter credit management solutions. Our end-to-end digital lending platform makes lending smarter, fairer, and faster—empowering lenders with automation and risk management, while giving borrowers access to financing with trust and ease. We build solutions where lending and trust go hand in hand, helping partners grow with confidence and resilience.

The Company is seeking an experienced Senior Data Scientist to lead the development of scorecards, credit scoring models, and regulatory-aligned risk analytics. This role is ideal for professionals with a strong background in banking, P2P lending, and/or consumer/SME credit, who can balance technical modeling skills with deep understanding of risk management, regulatory reporting, and credit lifecycle processes. You will collaborate with cross-functional teams and collaborate with stakeholders to deliver innovative data solutions that enable informed decision-making and business growth.

Responsibilities

• Translate complex business problems into analytical questions, design and implement data-driven solutions for a variety of use cases.
• Develop and implement advanced machine learning models, such as credit scoring, behavioral analytics, and optimization models.
• Create analytics dashboards for actionable insights and reporting, improving decision-making processes.
• Manage end-to-end data science projects, including planning, execution, and post-implementation monitoring.
• Continuously improve data science practices, tools, and frameworks to ensure scalability and efficiency.
• Collaborate closely with product and engineering teams to integrate data models into core products.
• Present and explain findings to both technical and non-technical stakeholders, ensuring clarity and impact.
• Mentor junior data scientists and offer technical guidance to support team growth and success.

Qualifications

• Degree in a quantitative discipline: Mathematics, Statistics, Data Science, Computer Science, Statistics, Engineering, or a related field.
• 5+ years of experience specifically in a credit risk modeling or analytics role within banking, fintech, or a financial institution.
• Familiarity with regulatory reporting frameworks.
• Solid understanding of statistical models, including their assumptions and limitations.
• Experience developing credit models in the Retail/SME space (e.g., credit cards, merchant analytics, fraud detection, underwriting scorecard).
• Strong proficiency in Python, R, or SQL; experience in multiple languages is a plus.
• Hands-on experience in the model development lifecycle (training, validation, tuning, monitoring).
• Familiarity with data visualization tools such as Tableau and/or Metabase; dashboard creation experience is an advantage.
• Strong understanding of financial industry best practices.
• Experience with cloud platforms (AWS, Azure, Google Cloud) for data processing and model deployment is a plus.
• Strong understanding of data management principles and infrastructure is a plus.

Benefits

• Challenging role in a startup environment with strong growth ambitions.
• Opportunities for professional growth and development.
• A dynamic and innovative work environment.
• Competitive compensation and benefits.

At Nikel, we are committed to diversity and equitable access to employment opportunities based on ability. We thank all applicants for their interest but will only contact candidates selected to advance in the hiring process.