Senior Data Scientist — ML for Credit & Risk (FinTech)

Funding Societies | Modalku Group; Singapore; On-site; SGD 150,000 - 210,000; Full time

Benefits offered by this job

Time off

Flexible working

Medical benefits

Mental health and wellness

Tech support

Job summary

Funding Societies | Modalku is seeking a Senior Data Scientist to join our dynamic team in Singapore. You will analyse complex datasets, develop predictive models, and provide data-driven insights to drive business decisions.

You will build models for credit scoring, risk profiling, fraud detection, and customer segmentation, while ensuring governance and robust documentation. Lead ML initiatives and mentor junior colleagues in a fast-paced fintech environment.

Qualifications

• 5+ years of experience in data science, preferably within fintech.
• Proven experience developing and deploying ML models in production.
• 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.
• Ability to incorporate AI-assisted tools into day-to-day model development.

Responsibilities

• 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.

Skills

Data science

Credit modelling

Risk management

Leadership

Job description

Funding Societies | Modalku is seeking a Senior Data Scientist to join our dynamic team in Singapore. You will analyse complex datasets, develop predictive models, and provide data-driven insights to drive business decisions.

You will build models for credit scoring, risk profiling, fraud detection, and customer segmentation, while ensuring governance and robust documentation. Lead ML initiatives and mentor junior colleagues in a fast-paced fintech environment.