Senior Data Scientist - Credit Risk

About the role

Funding Societies | Modalku, the largest SME digital finance platform in Southeast Asia, is looking for a Senior Data Scientist to join its Data team in Singapore. The role involves analysing complex datasets, building predictive models and delivering insights that drive business decisions, in a hybrid workplace.

Key responsibilities

• Design, build and productionise machine learning models for credit scoring, risk profiling, fraud detection and customer segmentation, and calibrate scoring logic and business rules.
• Maintain model documentation (data sources, features, assumptions) and guide models through internal review, credit review and sign-off so they stay interpretable, robust and aligned with regulatory standards.
• Run deep-dive analyses to find trends and insights, turn them into clear narratives and build self-serve tools, dashboards and model monitoring frameworks.
• Build and maintain scalable model pipelines and infrastructure covering training, validation, deployment and monitoring, and automate workflows.
• Mentor junior data scientists and analysts and lead data science initiatives from scoping to delivery.

Required profile

• 5+ years of experience in data science, preferably in fintech or financial services.
• Proven experience developing and deploying machine learning models in production.
• Experience with formal model governance (documentation, committee review, sign-off) in a regulated environment.
• Comfort using AI-assisted tools such as code generation and automated documentation.

Required skills

• Statistical analysis and machine learning.
• Credit modelling and risk management expertise is an added advantage.

What we offer

• Flexible paid vacations and observed holidays by country, plus a day off for birthdays and work anniversaries.
• Health insurance for employees and dependents.
• Wellness coaching and fitness initiatives.
• Company laptop and tech support.