Senior Data Scientist, Credit Risk (MSME Lending)

Hammerjack Pty Ltd; Philippines; On-site; PHP 900,000 - 1,500,000; Full time

Job summary

SariPay is seeking a Data Scientist to join the Credit Risk team in the Philippines. You will develop and monitor credit scoring models for MSME lending and contribute to risk analytics that influence lending decisions for hundreds of thousands of small business customers.

You'll work on model development, dashboard creation, and data-driven policy testing, collaborating with data engineers and stakeholders to improve portfolio health.

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

Python

Communication

Tools

SQL

Python

R

Job description

SariPay is seeking a Data Scientist to join the Credit Risk team in the Philippines. You will develop and monitor credit scoring models for MSME lending and contribute to risk analytics that influence lending decisions for hundreds of thousands of small business customers.

You'll work on model development, dashboard creation, and data-driven policy testing, collaborating with data engineers and stakeholders to improve portfolio health.