Senior Data Scientist

YTL Digital Bank Berhad (Registration No. 202201037182 (1482879-P); Malaysia; On-site; MYR 180,000 - 240,000; Full time

Job summary

Ryt Bank is seeking a Senior Data Scientist to drive product innovation through advanced analytics, experimentation, and ML. You will own the full lifecycle—from experiments to production deployment—within fintech product teams, delivering measurable business impact across fraud detection, credit decisioning, and user experience optimization.

You will design and deploy scoring systems, forecast models, and personalized recommendations, while mentoring junior data scientists and promoting

Qualifications

• 5+ years of experience in data science, with fintech exposure.
• Expert-level proficiency in Python and ML frameworks (Tensorflow, PyTorch, XGBoost).
• Strong foundation in statistics, hypothesis testing, and experimental design.
• Production experience with SQL and large-scale datasets (terabytes+).
• Proven track record deploying ML pipelines in production.

Responsibilities

• Design and implement advanced ML models for credit risk, fraud detection, and CLV prediction.
• Partner with product teams to translate business challenges into data science solutions.
• Build predictive models for churn, acquisition, and engagement strategies.
• Develop scoring systems for loan decisioning and transaction monitoring.

Skills

Python

Statistical methods

Experiment design

Stakeholder communication

Team leadership

Product mindset

Agile

Education

Bachelor's degree in a relevant field

Tools

TensorFlow

PyTorch

XGBoost

SQL

MLflow

SageMaker

Job description

Position Overview

We are seeking an exceptional Senior Data Scientist to drive product innovation through advanced analytics, experimentation, and machine learning. Embedded within cross-functional product teams, you will deliver measurable business impact by building and deploying solutions across fraud detection, credit decisioning, and user experience optimisation. You will own the full lifecycle - from designing experiments and developing models to production deployment and performance monitoring. This role demands both technical excellence and strategic thinking to identify high-impact opportunities and deliver data-driven results in a fast-paced fintech environment.

Key Responsibilities

• Strategic Analytics & Product Innovation – Design and implement advanced machine learning models for credit risk assessment, fraud detection, customer lifetime value prediction, and personalized product recommendations.
• Partner with product teams to translate business challenges into data science solutions that drive measurable impact.
• Build predictive models for customer churn, acquisition optimisation, and engagement strategies.
• Develop scoring systems for loan decisioning and transaction monitoring.

Technical Leadership

• Lead end-to-end model development lifecycle from experimentation to production deployment.
• Partner with engineering teams to design and deploy scalable ML pipelines using modern cloud infrastructure.
• Establish best practices for model governance, monitoring, and validation.
• Mentor junior data scientists and promote a culture of analytical excellence.

Business Impact

Collaborate with stakeholders across Risk, Marketing, Product, and Engineering to identify opportunities for data-driven optimisation. Communicate complex technical concepts and insights to non-technical executives through compelling data storytelling. Design and analyze A/B tests to measure feature impact and guide product decisions.

Required Qualifications

• Technical Expertise
  • 5+ years of experience in data science, with at least 2 years in fintech, banking, or financial services.
  • Expert-level proficiency in Python and ML frameworks (Tensorflow, PyTorch, XGBoost).
  • Strong foundation in statistical methods, hypothesis testing, and experimental design.
  • Production experience with SQL and working with large-scale datasets (terabytes+).
  • Proven track record deploying and maintaining ML model pipelines in production environments.
• Domain Knowledge
  • Deep understanding of financial services concepts including credit risk, fraud patterns, regulatory compliance (KYC / AML), and customer behaviour.
  • Experience with time-series forecasting, anomaly detection, and classification problems.
  • Familiarity with ML model explainability techniques (SHAP, LIME) and responsible AI practices.
  • Knowledge of model governance frameworks.
• Business & Leadership Skills
  • Outstanding problem-solving abilities with a product-minded approach.
  • Excellent communication skills with ability to influence key stakeholders.
  • Collaborative team player who thrives in fast-paced, agile environments.
  • Strong business acumen and ability to balance technical rigor with practical constraints.

Preferred Qualifications

• Experience with real-time ML systems and stream processing (Kafka, Spark Streaming).
• Knowledge of LLMs and generative AI applications in banking.
• Experience with MLOps tools (MLflow, Kubeflow, SageMaker).
• Prior experience building recommendation engines or personalisation systems.

Growth Opportunities

• Shape the analytics culture and best practices across the organization.
• Opportunity to influence product strategy through data-driven insights.
• Career progression toward senior leadership roles in data and analytics.

JR00000443

Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!