Senior Data Scientist - Credit Risk

Funding Societies Pte Ltd.; Singapore; On-site; SGD 120,000 - 180,000; Full time

Benefits offered by this job

Flexible vacations

Flexible working

Medical benefits

Mental health support

Tech equipment

Job summary

Funding Societies | Modalku seeks a Senior Data Scientist to analyze complex datasets and build predictive models for credit scoring, risk profiling, and fraud detection. You will calibrate scoring logic and maintain governance with documentation and sign-off workflows.

You will mentor junior data scientists, develop end-to-end pipelines, and build dashboards to translate insights into strategic actions, enabling product optimization.

Qualifications

• 5+ years of data science experience, fintech preferred.
• Proven ability to develop and deploy ML models in production.
• Strong skills in credit scoring and risk analytics.
• Experience with governance, documentation, and sign-off processes.

Responsibilities

• Model development, deployment, and monitoring for credit, risk, fraud, and segmentation.
• Governance, documentation, and alignment with regulatory standards.
• Deliver insights with self-serve dashboards and model monitoring tools.
• Lead and mentor junior data scientists and analysts.

Skills

Data science

Machine learning

Credit modelling

Risk management

MLOps

Data visualization

Tools

Python

SQL

Pandas

ML frameworks

Job description

Funding Societies | Modalku is the largest SME digital finance platform in Southeast Asia. We are licensed and operating in Singapore, Indonesia, Thailand, Malaysia and Vietnam, and backed by Sequoia India (Peak XV), Softbank Vision Fund, Khazanah and SMBC bank amongst many others. Funding Societies | Modalku provides business financing to small and medium-sized enterprises (SMEs), which is funded by individual and institutional investors, as well as payments solutions to SMEs and consumers.

Here at Funding Societies | Modalku we live by our core values GETFS:

• Grow Relentlessly: Strive to become our best, most authentic selves.
• Enable Teamwork, Disable Politics: Only by forging togetherness, we help each other succeed.
• Test Measure Act: Stay curious and reinvent ourselves, through innovation and experimentation.
• Focus on Impact: Create impact through bias for action and tangible results.
• Serve with Obsession: Build win-win relationships for the long-term by having a customer obsession.

Role Overview

We are seeking a highly motivated and skilled Senior Data Scientist to join our dynamic team. You will work with a diverse team of experts in a collaborative and innovative environment, analysing complex datasets, developing predictive models, and providing insights that drive business decisions.

Key Responsibilities

• Model Development & Deployment: Design, build, and productionise machine learning models for credit scoring, risk profiling, fraud detection, and customer segmentation, calibrating existing scoring logic and business rules to improve predictive performance.
• Model Governance & Documentation: Prepare and maintain model documentation (data sources, features, assumptions) and drive models through internal review, credit review, and sign-off ahead of deployment, ensuring models remain interpretable, robust, and aligned with regulatory standards.
• Analytical Insights & Impact: Perform deep-dive analyses to uncover trends and actionable insights that improve model performance and product strategy, translating findings into clear, data-driven narratives and building self-serve tools, dashboards, and model monitoring frameworks for transparency and measurable impact.
• Model Infrastructure & MLOps: Build and maintain scalable model pipelines and infrastructure supporting the end-to-end lifecycle (training, validation, deployment, monitoring), and automate workflows to reduce operational overhead and enhance reproducibility and governance.
• Leadership & Mentorship: Mentor junior data scientists and analysts through structured guidance and technical reviews, and lead high-impact data science initiatives from problem scoping to final delivery.

• 5+ years of experience in data science, preferably within the fintech or financial services industry.
• Proven experience developing and deploying machine learning models in a production environment.
• Strong background in statistical analysis and machine learning.
• Expertise in credit modelling and risk management is an added advantage.
• Experience navigating formal model governance processes (documentation, committee review, sign-off) in a regulated environment.
• Comfort incorporating AI-assisted tools (e.g. code generation, automated documentation) into day-to-day model development.

• Time off - We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries.
• Flexible working - We believe in giving back the control of work & life to our people. We trust our people and love to provide the space to accommodate each and everyone's working style and personal life.
• Medical benefits - We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their backs for their loved ones too.
• Mental health and wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we organize org-wide fitness initiatives and engage partners to provide well-being coaching.
• Tech support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity

Learn about our Stories here.