Senior Data Scientist - Lending

Gotogroup; Jakarta Pusat; On-site; IDR 300,000,000 - 700,000,000; Full time

Job summary

GoTo Group is seeking a Senior Data Scientist to drive credit risk modeling for GoPay and related lending products in Indonesia. You will own the full ML lifecycle, from problem framing to deployment and monitoring, leveraging GoTo and external data to optimize risk decisions.

The role requires 3+ years in building and evaluating credit risk models, strong ML knowledge, and ability to communicate technical concepts to non-technical leaders.

Qualifications

• Bachelor degree or above in science/engineering fields (stats, math, physics, CS).
• Excellent understanding of machine learning techniques and algorithms.
• Comfortable using Python, SQL, and UNIX Shell.
• Good communication skills with non-technical audiences.
• Self-driven and entrepreneurial with strong ownership.

Responsibilities

• Own the end-to-end ML lifecycle: from concept to deployment and monitoring of credit risk models.
• Lead development of advanced consumer credit risk models to optimize lending decisions.
• Collaborate with product and business teams to translate business problems into data science solutions.
• Set standards for model evaluation and clear documentation for leadership.

Skills

Python

SQL

UNIX Shell

Machine Learning

Communication

Entrepreneurial Mindset

Education

Bachelor degree or above in science and engineering related majors such as statistics, mathematics, physics, computer science

Job description

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.

• Drive End-to-End Impact: Take complete ownership of the machine learning lifecycle. You will conceptualize, build, deploy, and monitor data models that directly influence key business metrics and bottom-line results.
• Innovate Credit Risk Strategy: Lead the development of advanced consumer credit risk models. Apply rigorous statistical analysis and ML techniques to optimize lending decisions, balance risk, and fuel sustainable business growth.
• Partner with Product & Business: Act as a strategic bridge between data and business strategy. Collaborate closely with cross-functional teams to translate ambiguous business challenges into scalable, production-ready data science solutions.
• Champion Technical Excellence: Set the standard for robust model evaluation and clear documentation. You will advocate for data science best practices and distill complex technical concepts into actionable insights for non-technical leadership.
• Bachelor degree or above in science and engineering related majors such as statistics, mathematics, physics, computer science, etc.
• At least 3 years of hands‑on experience in building, evaluating, and monitoring credit 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 '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.