Senior Data Scientist - Credit Risk

Funding Societies | Modalku; Kuala Lumpur; On-site; MYR 180,000 - 260,000; Full time

Benefits offered by this job

Health insurance coverage for员工 and/依?

Company laptop

Flexible paid vacations

Well-being coaching

Flexible working arrangements

Job summary

Funding Societies | Modalku is seeking a Senior Data Scientist to join our fintech team in Kuala Lumpur. You will analyse complex datasets, develop predictive models, and provide insights that drive strategic business decisions.

You will design and deploy models for credit scoring, risk profiling, and fraud detection, while ensuring governance and regulatory alignment. The role emphasizes collaboration, mentorship, and delivering measurable impact.

Qualifications

• 5+ years of data science experience, preferably within fintech or financial services.
• Proven experience deploying machine learning models in production.
• Strong background in statistical analysis and machine learning.
• Expertise in credit modelling and risk management is an added advantage.
• Experience navigating formal model governance processes (documentation, committee review) in a regulated environment.

Responsibilities

• Design, build, and productionise machine learning models for credit scoring, risk profiling, fraud detection, and customer segmentation.
• Prepare and maintain model documentation and drive models through internal review and sign-off before deployment.
• Perform deep-dive analyses to uncover trends and actionable insights, translating findings into data-driven narratives.
• Build and maintain scalable model pipelines and infrastructure for end-to-end lifecycle (training, validation, deployment, monitoring).
• Mentor junior data scientists and analysts and lead high-impact data science initiatives.

Skills

Data science

Machine learning

Statistics

Credit modelling

Model governance

Data visualization

Python

SQL

Tools

Python

SQL

Job description

We are seeking a highly motivated and skilled Senior Data Scientist to join our dynamic team. You will work with a diverse team of experts in a collaborative and innovative environment, analysing complex datasets, developing predictive models, and providing insights that drive business decisions.

Key responsibilities

• Design, build, and productionise machine learning models for credit scoring, risk profiling, fraud detection, and customer segmentation, calibrating existing scoring logic and business rules to improve predictive performance.
• Prepare and maintain model documentation (data sources, features, assumptions) and drive models through internal review, credit review, and sign-off ahead of deployment, ensuring models remain interpretable, robust, and aligned with regulatory standards.
• Perform deep-dive analyses to uncover trends and actionable insights that improve model performance and product strategy, translating findings into clear, data-driven narratives and building self-serve tools, dashboards, and model monitoring frameworks for transparency and measurable impact.
• Build and maintain scalable model pipelines and infrastructure supporting the end-to-end lifecycle (training, validation, deployment, monitoring), and automate workflows to reduce operational overhead and enhance reproducibility and governance.
• Mentor junior data scientists and analysts through structured guidance and technical reviews, and lead high-impact data science initiatives from problem scoping to final delivery.

About you

• 5+ years of experience in data science, preferably within the fintech or financial services industry.
• Proven experience developing and deploying machine learning models in a production environment.
• Strong background in statistical analysis and machine learning.
• Expertise in credit modelling and risk management is an added advantage.
• Experience navigating formal model governance processes (documentation, committee review, sign-off) in a regulated environment.
• Comfort incorporating AI-assisted tools (e.g. code generation, automated documentation) into day-to‑day model development.
• Flexible paid vacations as well as many other observed holidays by country, and a day off for special days like birthdays and work anniversaries.
• Flexible working arrangements with trust and space to accommodate each person's working style and personal life.
• Health insurance coverage for employees and dependents.
• Org-wide fitness initiatives and well‑being coaching.
• Company laptop and support for equipment and tools to enable high productivity.

About us

Funding Societies | Modalku is the largest SME digital finance platform in Southeast Asia. We are licensed and operating in Singapore, Indonesia, Thailand, Malaysia and Vietnam, and backed by Sequoia India (Peak XV), Softbank Vision Fund, Khazanah and SMBC bank amongst many others. Funding Societies | Modalku provides business financing to small and medium‑size enterprises (SMEs), which is funded by individual and institutional investors, as well as payments solutions to SMEs and consumers.