Senior Data Scientist – Credit Risk & Modeling (Jakarta)

GoTo Group; Jakarta Pusat; On-site; IDR 600,000,000 - 1,200,000,000; Full time

Job summary

GoTo Group in Jakarta, Indonesia, is building, evaluating, and monitoring credit risk models for GoPay lending products. You will leverage cutting-edge algorithms on GoTo data to promote financial inclusion in Indonesia and beyond.

Join a DS team focused on real-time underwriting, model-driven decisions, and scalable risk management across Cicil and Pinjam products. The role emphasizes ownership, collaboration, and high-impact analytics within a fast-paced environment.

Qualifications

• 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.

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

Communication

Documentation

Problem Solving

Education

Bachelor degree or above in science/engineering related majors

Job description

GoTo Group in Jakarta, Indonesia, is building, evaluating, and monitoring credit risk models for GoPay lending products. You will leverage cutting-edge algorithms on GoTo data to promote financial inclusion in Indonesia and beyond.

Join a DS team focused on real-time underwriting, model-driven decisions, and scalable risk management across Cicil and Pinjam products. The role emphasizes ownership, collaboration, and high-impact analytics within a fast-paced environment.