Data Scientist

AEON Credit Service (M) Bhd; Kuala Lumpur; On-site; MYR 180,000 - 300,000; Full time

Job summary

AEON Credit Service (M) Berhad is seeking a Data Scientist to lead credit data analytics, credit score modelling and machine learning initiatives to strengthen credit risk management and support data-driven business decisions.

You will design and monitor credit scoring models, apply ML techniques to credit problems, translate findings into actionable recommendations, build analytics pipelines, support MLOps, and collaborate with Credit, Risk, IT and Business teams to drive digital transformation

Qualifications

• Bachelor's degree or higher in Data Science, Statistics, Mathematics, Computer Science, Economics, Actuarial Science, Finance, or other relevant disciplines.
• Minimum 8 years of relevant experience in Data Science, Credit Risk Analytics, Credit Modelling, Predictive Modelling or related fields.
• Experience in banking/financial services environments is an advantage.
• Minimum 3 years in supervisory or leadership capacity with mentoring or development of team members.

Responsibilities

• Lead credit data analytics and modelling initiatives by analysing customer, credit and collection data to identify trends, patterns, risks and opportunities across the credit portfolio.
• Develop, implement and monitor credit scoring models and predictive models to support credit assessment, risk management and portfolio performance.
• Apply data science and machine learning techniques to solve business and credit-related problems, including data mining, feature engineering, model development, validation and performance monitoring.
• Translate analytical findings into actionable business insights and recommendations for management, credit policies and business strategies.

Skills

SQL

Python or R

Machine Learning

Feature Engineering

Credit Scoring / Scorecard

MLOps

AWS Cloud

Tableau/Power BI

Education

Bachelor's degree or higher in Data Science/Statistics/Mathematics/CS/Economics/Actuarial/Finance or related

Tools

AWS

Tableau

Power BI

Job description

As a Data Scientist, you will lead and support credit data analytics, credit score modelling and machine learning initiatives to strengthen credit risk management and support data-driven business decisions.

Your key responsibilities include:

Lead credit data analytics and modelling initiatives by analysing customer, credit and collection data to identify trends, patterns, risks and opportunities across the credit portfolio.

Develop, implement and monitor credit scoring models and predictive models to support credit assessment, risk management, collection strategies and overall portfolio performance.

Apply data science and machine learning techniques to solve business and credit-related problems, including data mining, feature engineering, model development, validation and performance monitoring.

Translate complex data and analytical findings into actionable business insights and recommendations for management, credit policies and business strategies.

Develop and maintain data analytics pipelines and solutions, ensuring data quality, accuracy and reliability throughout the data lifecycle.

Support machine learning model deployment and maintenance (MLOps), including model implementation, monitoring, performance tracking and continuous improvement.

Analyse consumer and market behaviour and conduct competitor and market benchmarking to identify emerging trends and potential business or credit risks.

Collaborate with Credit, Risk, IT, Data, Business and other relevant stakeholders to understand business requirements and develop practical, data-driven solutions.

Lead digital transformation and automation initiatives involving credit analytics, machine learning, predictive modelling and digital solutions.

Monitor portfolio and model performance and provide regular analysis and reporting to identify areas requiring corrective action or improvement.

Lead, coach and develop team members, providing technical guidance, knowledge sharing and mentoring to strengthen the team's analytical and modelling capabilities.

Ensure analytical projects are delivered accurately and within agreed timelines, while maintaining appropriate documentation, governance and quality standards.

Job Requirements

Bachelor's Degree or higher in Data Science, Statistics, Mathematics, Computer Science, Economics, Actuarial Science, Finance, or other relevant disciplines.

Minimum 8 years of relevant experience in Data Science, Credit Risk Analytics, Credit Modelling, Predictive Modelling or related fields.

Candidates with experience in banking, financial institutions, credit card, consumer finance or other financial services environments will have an added advantage.

Minimum 3 years of experience in a supervisory or leadership capacity, with demonstrated experience in managing, mentoring or developing team members.

Strong experience in analysing credit portfolio, customer behaviour, credit risk or collection data and translating analytical findings into business recommendations.

Technical Skills

Strong proficiency in SQL for data extraction, manipulation and analysis.

Proficiency in Python or R for data analysis, statistical modelling and machine learning.

Practical knowledge of machine learning algorithms, predictive modelling and data mining techniques.

Good understanding of feature engineering, model development, model validation and performance monitoring.

Knowledge of credit scoring / scorecard development and validation techniques.

Understanding of MLOps, model deployment and model maintenance will be an advantage.

Experience with AWS Cloud Services is preferred; experience with other cloud platforms will also be considered.

Experience with data visualisation and business intelligence tools such as Tableau, Power BI or similar tools is an advantage.

Good understanding of credit operations, credit processes and credit policies.

Unlock job insights

Hirer responsiveness Salary match Number of applicants

Your application will include the following questions:

• Which of the following statements best describes your right to work in Malaysia?
• What's your expected monthly basic salary?
• How many years' experience do you have as a data scientist?
• How many years' experience do you have in the financial services industry?
• How many years' experience do you have as a Credit Risk Modelling Manager?

AEON Credit Service (M) Berhad is a leading consumer financing provider with business operations in Japan, Malaysia, Hong Kong, Thailand, Taiwan and China. We established a strong presence in Malaysia since 1996 with a wide range of consumer financial services. Our portfolio currently includes credit card, personal financing and easy payment scheme which help enrich the livelihood of many Malaysians.

We offer an exciting and dynamic workplace for all employees. As part of our expansion plan, we are on the lookout for talented individuals who strive for excellence. If you are visionary go-getter, come join us today. Together, we can shape a promising and satisfying career path.

AEON Credit Service (M) Berhad is a leading consumer financing provider with business operations in Japan, Malaysia, Hong Kong, Thailand, Taiwan and China. We established a strong presence in Malaysia since 1996 with a wide range of consumer financial services. Our portfolio currently includes credit card, personal financing and easy payment scheme which help enrich the livelihood of many Malaysians.

We offer an exciting and dynamic workplace for all employees. As part of our expansion plan, we are on the lookout for talented individuals who strive for excellence. If you are visionary go-getter, come join us today. Together, we can shape a promising and satisfying career path.