GoTo Group | Data Science Lead

2 days ago


Singapore GoTo Group Full time

In this role, you will be an integral player within the GoFinance Data Science team based in Singapore. You will take the wheel in overseeing building, evaluating, and monitoring credit risk models for a variety of consumer and merchant lending products GTF offers in Indonesia. Your responsibilities will include enhancing our credit risk models through heavy feature engineering of GoTo data as well as data purchased from third-party data vendors, and ensuring that they are stable and scalable in the production environment. Most importantly, your efforts will work to bring wider financial inclusion to more people in the region and beyond.
What You Will Do
Explore and engineer features using data from the GTF ecosystem and external data vendors for our data science models and anti-fraud monitoring.
Build, evaluate, deploy and monitor consumer credit risk models for a variety of financial products offered by GTF.
Work with the business/product team in defining, prototyping, and implementing data science models and other supporting DS initiatives.
Own end-to-end modeling initiatives and business outcomes / metrics.
Perform ad-hoc analysis and present results in a clear and concise manner.
Prepare model documentation and other supporting documents for business stakeholders and auditors.
What You Will Need
Bachelor degree or above in science and engineering related majors such as statistics, mathematics, physics, computer science, etc.
At least 2-3 years of hands-on experience in building, evaluating, and monitoring risk models.
Excellent understanding of mathematics and statistics.
Good understanding of machine learning techniques and algorithms.
Comfortable using Python, SQL, and UNIX Shell.
Understand business concerns and formulate them as technical problems that can be solved using data and math/stats/ML.
Proficient in data preprocessing, model training, evaluation, and optimisation.
Self-driven and entrepreneurial with a strong sense of ownership, and thrive in a fast-paced environment.
Good communication skills and ability to present technical concepts to a non-technical audience.
Ability to work independently to solve problems and develop solutions.
Able to write model documentation clearly and concisely and support recommendations with research and data.
Our team leverages big data from the Gojek, Tokopedia and GoTo Financial universe, as well as external data, to build various predictive models to support the risk strategy team in real-time credit underwriting and management of the customer lifecycle. We use models to predict the customer’s probability to default on our Cicil (BNPL) and Pinjam (cash loans) products, and use this score to risk-rank our customers. As our model scores are key inputs to risk decisioning (e.g. approval/rejection of loans, credit limit adjustments), we are also able to see the direct impact of our models on the business and our customers.
We are a growing team and are constantly looking for opportunities to use data science to enhance our credit and fraud risk management capabilities. We are focused on growth and efficiency. We are all about open knowledge sharing and self-improvement. We believe that “Data Science is a team sport.”
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