Senior Data Scientist - Credit Risk & ML Innovator

GoTo Group; Jakarta Pusat; On-site; IDR 420,000,000 - 660,000,000; Full time

Job summary

GoTo Group in Jakarta, Indonesia is seeking an experienced Data Scientist to lead credit risk modeling for GoPay lending products. You will build, evaluate, and monitor models for consumer and merchant lending with GoTo data and third‑party data vendors, driving financial inclusion in the region and beyond.

You will guide modeling initiatives, mentor a DS team, and partner with business teams to translate complex data problems into practical, scalable solutions that impact risk strategy and

Qualifications

• 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.

Responsibilities

• Own end-to-end 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.

Skills

Python

SQL

UNIX Shell

Machine Learning

Data Visualization

Model Documentation

Communication

Leadership

Education

Bachelor degree or above in science/engineering

Tools

Python

SQL

UNIX Shell

Job description

GoTo Group in Jakarta, Indonesia is seeking an experienced Data Scientist to lead credit risk modeling for GoPay lending products. You will build, evaluate, and monitor models for consumer and merchant lending with GoTo data and third‑party data vendors, driving financial inclusion in the region and beyond.

You will guide modeling initiatives, mentor a DS team, and partner with business teams to translate complex data problems into practical, scalable solutions that impact risk strategy and