Data Scientist

Paragon Credit Alliance 604 Corporation; Metro Manila; On-site; PHP 420,000 - 650,000; Full time

Job summary

Paragon Credit Alliance 604 Corporation in Metro Manila is seeking a data analytics professional to help build credit risk models, scorecards, and portfolio analytics that drive lending decisions.

The role requires about 2–3 years of experience, strong Python and SQL skills, a solid statistics/machine learning foundation, and the ability to translate analytical findings into business recommendations for risk and growth.

Qualifications

• Bachelors degree in a quantitative field is required.
• 2 years of experience in data analytics, data science, risk analytics, or a similar role.
• Strong Python and SQL skills with data cleaning and feature engineering.
• Solid foundation in statistics and machine learning; experience building and evaluating models.

Responsibilities

• Develop credit risk models, scorecards, and portfolio analytics.
• Clean, prepare, and analyze data using Python and SQL.
• Build and test statistical and machine learning models; validate and monitor them.
• Work with portfolios across customer segments, products, and risk levels.
• Translate analytical findings into practical risk and business recommendations.
• Monitor portfolio health and identify trends affecting risk.

Skills

Python

SQL

Pandas

NumPy

scikit-learn

Statistics

Machine learning

Data analytics

Education

Bachelors degree in quantitative field

Tools

Git

Jupyter

scikit-learn

Job description

The role will focus on helping develop credit risk models, scorecards, and portfolio analytics that can support better lending and portfolio management decisions.

We're looking for someone with around 2–3 years of experience who is comfortable working with data and Python, has a good foundation in statistics and machine learning, and is interested in applying these skills to real business problems.

What you'll be doing

1. Data & Modeling

• Work with customer, financial, transaction, and lending data to better understand borrower behavior.
• Clean, prepare, and analyze data using Python and SQL.
• Explore datasets and identify patterns, trends, and variables that could be useful 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 how well they perform.
• Help with feature engineering, model validation, and model monitoring.
• Investigate issues such as missing data, data leakage, bias, overfitting, and changes in model performance over time.
• Analyze the lending portfolio across different customer segments, industries, products, and risk levels.
• Monitor portfolio performance, including delinquencies, defaults, exposures, and losses.
• Identify trends or segments where credit risk may be increasing.
• Look at how changes in customer mix, underwriting policies, or approval criteria could affect overall portfolio risk.
• Help develop metrics and analyses for tracking portfolio health.
• Which types of borrowers are performing better or worse than expected?
• Where are we seeing higher concentrations of risk?
• How is the portfolio changing as we grow?
• What happens to portfolio risk if we change our approval criteria?
• Are our risk models still performing well as the portfolio changes?

3. Business & Decision Support

• Work with business and risk teams to understand the lending process and how analytical models will actually be used.
• Help translate analytical findings into practical recommendations.
• Think about the trade-offs between growth, credit quality, and risk.
• Present findings clearly to both technical and non-technical stakeholders.
• Help connect individual borrower-level analysis to the bigger picture of portfolio performance and business strategy.

What we're looking for

Must Have

• 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.
• Good foundation in statistics and machine learning.
• Experience actually building and evaluating models.
• Strong analytical and problem-solving skills.
• Comfortable working with messy or incomplete data.
• Able to work independently and figure things out when the problem isn't clearly defined.
• Good communication skills and the ability to explain technical concepts in a simple way.
• Bachelor's degree in Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, Physics, or another quantitative field.

Nice to have

• Experience in lending, credit risk, banking, fintech, insurance, or financial services.
• Experience working with credit or risk models.
• Familiarity with concepts such as probability of default, default rates, risk segmentation, scorecards, WoE/IV, and model monitoring.
• Experience with portfolio monitoring or portfolio analytics.
• Experience working with financial or transactional data.
• Experience working with imbalanced classification problems or time-based valid