Credit Risk Data Scientist - Scorecards & Portfolio

Paragon Credit Alliance 604 Corporation; Makati; On-site; PHP 650,000 - 900,000; Full time

Job summary

Paragon Credit Alliance 604 Corporation is seeking a Data Scientist to help develop credit risk models, scorecards, and portfolio analytics that drive lending and portfolio decisions. The role targets candidates with 2–3 years of experience who are proficient in Python and SQL, and have a solid grounding in statistics and machine learning.

You will work with customer, financial, and lending data, build and validate models, and support monitoring and ongoing improvements to risk metrics.

Qualifications

• Around 2–3 years of experience in data analytics, data science, risk analytics, or a similar role.
• Good working knowledge of Python, particularly pandas, NumPy, and scikit-learn.
• Comfortable working with SQL.
• Strong foundation in statistics and machine learning.
• Experience actually building and evaluating models.
• Able to work independently and explain technical concepts clearly.

Responsibilities

• Work with customer, financial, transaction, and lending data to understand borrower behavior.
• Clean, prepare, and analyze data using Python and SQL.
• Explore datasets and identify patterns for predicting credit risk.
• Help build and test statistical and machine learning models.
• Support the development of credit scores, risk segments, and scorecards.
• Test different modeling approaches and evaluate performance.
• Assist with feature engineering, model validation, and monitoring.
• Investigate data quality issues, leakage, bias, and shifts in performance over time.
• Analyze lending portfolio across segments, industries, products, and risk levels.
• Monitor portfolio performance including delinquencies, defaults, exposures, and losses.
• Identify trends and impact of changes in underwriting on portfolio risk.
• Help translate findings into practical recommendations for growth and risk management.
• Present findings clearly to technical and non-technical stakeholders.
• Connect borrower-level analyses to portfolio performance and business strategy.

Skills

Data analytics

Python

SQL

Statistics

Machine learning

Problem solving

Independent work

Communication

Education

Bachelor's degree in Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, Physics, or another quantitative field

Tools

Python

SQL

Pandas

NumPy

scikit-learn

Job description

Paragon Credit Alliance 604 Corporation is seeking a Data Scientist to help develop credit risk models, scorecards, and portfolio analytics that drive lending and portfolio decisions. The role targets candidates with 2–3 years of experience who are proficient in Python and SQL, and have a solid grounding in statistics and machine learning.

You will work with customer, financial, and lending data, build and validate models, and support monitoring and ongoing improvements to risk metrics.