Senior Credit Risk Data Scientist - Fintech Lending

GrowSari; Philippines; On-site; PHP 900,000 - 1,500,000; Full time

Job summary

SariPay is looking for a Data Scientist to join our Credit Risk team, supporting development and monitoring of credit scoring models for our MSME lending portfolio. This role offers hands-on ownership of models that influence lending decisions for thousands of sari-sari stores and micro-entrepreneurs.

You will analyze loan performance and customer data, build ML models, and develop dashboards to track risk KPIs.

Qualifications

• Minimum 3 years of experience as a Data Scientist, Credit Risk Analyst, or similar analytical role.
• Working knowledge of statistical analysis and machine learning techniques applied to risk or scoring use cases.
• Proficiency in SQL and at least one programming language commonly used for modeling (Python or R).
• Strong analytical and communication skills, with ability to explain technical findings to non-technical audiences.

Responsibilities

• Analyze loan performance, customer behavior, and repayment data to identify risk patterns and portfolio trends.
• Build and maintain statistical/ML models for credit scoring, default prediction, and portfolio risk assessment, under guidance from senior team members.
• Develop dashboards and regular reports to track credit risk KPIs and portfolio health for stakeholders.
• Support A/B tests on credit policy changes and lending criteria adjustments.
• Write and maintain SQL queries for data extraction and validation; partner with Data Engineering on data pipeline needs.
• Present findings and recommendations to internal stakeholders in clear, non-technical terms.

Skills

Statistical analysis

Machine learning techniques

SQL

Python

Communication skills

Tools

SQL

Python

R

Job description

SariPay is looking for a Data Scientist to join our Credit Risk team, supporting development and monitoring of credit scoring models for our MSME lending portfolio. This role offers hands-on ownership of models that influence lending decisions for thousands of sari-sari stores and micro-entrepreneurs.

You will analyze loan performance and customer data, build ML models, and develop dashboards to track risk KPIs.