Credit Risk Data Scientist: Analytics & Production Modeling

TRBank, Inc. (A Rural Bank); Metro Manila; On-site; PHP 900,000 - 1,800,000; Full time

Benefits offered by this job

Job summary

TRBank, Inc. (A Rural Bank) seeks a data analytics professional to develop and maintain statistical and machine-learning models for credit scoring, risk segmentation, and delinquency forecasting.

You will translate complex data into clear, decision-ready insights for Management, Credit, Risk, and Collections, build dashboards, and collaborate with the Data Engineer to ensure data quality and production-ready model pipelines while adhering to regulatory expectations.

Responsibilities

• Analytics & Modeling: develop, test, and maintain statistical and machine-learning models for credit scoring and risk segmentation, early warning signals for delinquency and default, collections prioritization and recovery strategies, and portfolio performance and yield optimization.
• Business Insights & Decision Support: translate complex data into clear, decision-ready insights for Management, Credit, Risk, Collections, and Business teams; build dashboards, reports, and analytical outputs to support loan approvals, pricing, portfolio monitoring, and branch/product/channel performance.
• Data Collaboration: collaborate with the Data Engineer to define data requirements and feature sets, ensure data quality, consistency and usability, and operationalize models into production pipelines; validate datasets from core banking, LOS, collections systems, and external sources.
• Model Governance & Compliance: ensure models are documented, explainable, auditable, aligned with BSP expectations; support internal audits, risk reviews, and regulatory examinations; participate in model reviews, recalibration, and performance monitoring.
• Continuous Improvement: identify opportunities to improve credit decisioning speed and quality, reduce NPLs and credit losses, and increase recovery rates and operational efficiency; stay current with advances in data science relevant to banking and lending.

Skills

Analytics & Modeling

Data Collaboration

Model Governance

Continuous Improvement

Job description

TRBank, Inc. (A Rural Bank) seeks a data analytics professional to develop and maintain statistical and machine-learning models for credit scoring, risk segmentation, and delinquency forecasting.

You will translate complex data into clear, decision-ready insights for Management, Credit, Risk, and Collections, build dashboards, and collaborate with the Data Engineer to ensure data quality and production-ready model pipelines while adhering to regulatory expectations.