Data Scientist

Great Pyramid; Kapar; On-site; MYR 60,000 - 90,000; Full time

Job summary

A financing provider in Malaysia is looking for a Data Scientist to lead in developing credit scoring models and risk analytics. You will work on assessing customer applications and managing credit risk through data-driven strategies. The ideal candidate has a degree in Data Science or a related field, strong skills in Python, R, SQL, and experience in credit risk modeling. This role involves monitoring portfolio performance and delivering actionable insights to enhance decision-making.

Qualifications

• 3-6 years of relevant experience in credit risk modeling or predictive modeling.
• Strong proficiency in Python, R, SQL, Power BI, and Excel.
• Familiarity with regulatory frameworks related to credit risk preferred.

Responsibilities

• Develop and implement credit scoring models to assess customer loan applications.
• Monitor portfolio performance and delinquency trends.
• Work with SQL, Power BI, and statistical tools to analyze data.

Skills

Python

R

SQL

Power BI

Excel

Education

Bachelors or Masters degree in Data Science or related field

Tools

Power BI

Python

R

SQL

Job description

Our Clientis a Malaysia-based motorcycle hire-purchase financing provider offering quick approvals, flexible 12‑60 month installment plans, and up to 90% financing coverage.

Role Overview

They are seeking fora Data Scientist to lead the development of advanced credit scoring models and broader risk analytics initiatives. This role is crucial in shaping how the company evaluates customer applications, manages credit risk, and drives data‑driven strategies across the company. You will work closely with the risk management team to design and implement models that comply with regulatory standards while enhancing operational efficiency.

Job Responsibilities

• Credit Scoring & Decisioning
  • Develop, validate, and implement credit scoring models to assess customer loan applications.
  • Automate approval decision processes in collaboration with IT and business teams.
• Risk Analytics & Portfolio Monitoring
  • Monitor portfolio performance, delinquency trends, and risk concentrations.
  • Perform data-driven analysis to support collections strategies, fraud detection, and customer behavior insights.
  • Provide inputs for MFRS 9 Expected Credit Loss (ECL) modeling and reporting.
• Data Management & Reporting
  • Work with SQL, Power BI, Excel, and statistical tools (Python, R) to process, analyze, and visualize data.
  • Deliver actionable dashboards and insights to management for informed decision‑making.

Requirements

• Bachelors or Masters degree in Data Science, Statistics, Actuarial Science, Computer Science, Finance, or a related field.
• Strong proficiency in Python, R, SQL, Power BI, and Excel.
• 3-6 years of relevant experience in credit risk modeling, statistical analysis, or predictive modeling. Experience in financial services, fintech, banking, or other data-driven industries will be an advantage.
• Familiarity with regulatory frameworks related to credit risk (e.g., MFRS 9, or similar) is preferred, but candidates with strong quantitative and analytical skills from other industries will also be considered.
• Ability to work with large datasets, perform ETL, and build models that can be deployed for business operations.
• Excellent analytical thinking, problem-solving, and communication skills.