Data Scientist, Card Portfolio Growth & Risk

WE Asia Pte Ltd; Kuala Lumpur; On-site; MYR 120,000 - 240,000; Full time

Job summary

WE Asia Pte Ltd is seeking a Data Scientist to lead end‑to‑end analytics for credit card portfolio optimisation. You will transform large transaction and customer data into actionable insights, building ML models and dashboards to drive growth, profitability, and risk management across the card lifecycle.

You will collaborate with Product, Marketing, Risk, Fraud, and Technology teams to implement analytics‑driven strategies and share findings with executives through compelling dashboards and

Qualifications

• Master’s degree or higher in Data Science, Statistics, Computer Science, Mathematics, or a related quantitative field.
• 5–8 years of experience in data science or advanced analytics, preferably within financial services or retail banking.
• Demonstrated experience in credit card portfolio analytics, customer lifecycle modelling, or marketing optimization.
• Advanced skills in analytics and statistical modeling (e.g., Regression, Clustering, Classification).
• Experience working with large datasets using SQL, Hive, Hadoop, Spark, Python or cloud‑based analytics environments for data manipulation and analysis.
• Solid grounding in statistical inference, experimental design, causal inference, and time‑series analysis.
• Hands‑on experience with supervised and unsupervised machine learning techniques.
• Exposure to fraud, credit risk, authorization, or payment success optimization.
• Experience translating analytics into business strategy and client recommendations.
• Strong communication skills with the ability to engage non‑technical stakeholders.
• Experience in consulting or client‑facing analytics roles.

Responsibilities

• Own analytics workstreams for card portfolio optimisation across acquisition, activation, usage, retention, payment success, fraud, and credit risk.
• Build and deploy statistical models and machine learning solutions to identify growth, efficiency, and risk‑mitigation opportunities.
• Conduct customer segmentation, lifecycle modelling, propensity modelling, and uplift analysis to inform portfolio strategies.
• Design and evaluate test‑and‑learn frameworks, including control groups, A/B testing, and causal inference approaches.
• Analyse large‑scale transaction, customer, and behavioural datasets (e.g. issuer data, network data) to generate insights.
• Produce data sets for predictive modeling by parsing and aggregating incomplete, unstructured data sources.
• Enhance and optimize codes for critical business processes.
• Design and develop dashboards using software such as Tableau or Power BI.
• Translate complex analytical findings into clear, actionable recommendations for business and client stakeholders.
• Identify opportunities to automate repeatable analysis or build streamlined solutions.
• Lead transfer of technical knowledge to facilitate business solution implementation.
• Document all projects, including coding and other necessary documentation.
• Partner closely with Product, Marketing, Risk, Fraud, and Technology teams to operationalise analytics‑driven strategies.
• Support executive‑level storytelling through insightful presentations, dashboards, and performance tracking.
• Contribute to capability building by documenting methodologies, best practices, and reusable analytical assets.

Skills

SQL

Hive

Hadoop

Spark

Python

Statistical modeling

Time-series analysis

A/B testing

Causal inference

Data visualization

Communication with stakeholders

Education

Master’s degree or higher in Data Science, Statistics, Computer Science, Mathematics, or a related quantitative field

Tools

Tableau

Power BI

Job description

WE Asia Pte Ltd is seeking a Data Scientist to lead end‑to‑end analytics for credit card portfolio optimisation. You will transform large transaction and customer data into actionable insights, building ML models and dashboards to drive growth, profitability, and risk management across the card lifecycle.

You will collaborate with Product, Marketing, Risk, Fraud, and Technology teams to implement analytics‑driven strategies and share findings with executives through compelling dashboards and