Data Scientist (Credit Risk)

TL;DR

Data Scientist (Credit Risk): Improving application and behavioral scoring models to enhance onboarding decisions and portfolio profitability with an accent on data exploration, model building, and validation. Focus on translating insights into credit strategy, contributing to model evolution, and aligning with business goals.

Location: Manila, Philippines. Remote work is possible from +4 GMT to +10 GMT. Willingness to relocate to Manila HQ is a strong advantage.

Company

hirify.global provides modern banking services for millions of Filipinos and aims to be a leading fintech in Southeast Asia.

What you will do

• Own the full modeling cycle from exploring raw data to production-ready specs.
• Use metrics like AUC, KS, bad rate, and stability index to validate model quality.
• Track model performance and determine when to retrain or adapt.
• Translate insights into decisions to help evolve our credit strategy.
• Work with product and data teams to align models with business goals.
• Evaluate value through NPV, backtesting, and real-world portfolio performance.

Requirements

• 2+ years of hands-on experience in data analytics or data science.
• Deep knowledge of statistics, probability, and machine learning algorithms.
• Proficiency in Python (pandas, scikit-learn) and SQL for data exploration and modeling.
• Experience building or validating credit scoring models for application or behavioral risk.
• Hands-on experience with the full model lifecycle, from data analysis to post-production monitoring.
• Ability to translate modeling logic into implementation-ready specs.

Nice to have

• Prior work with credit products, especially in fintech.
• Experience assessing the business impact of models (e.g., NPV, backtesting).
• Exposure to cross-functional collaboration (e.g., with product or engineering teams).

Culture & Benefits

• Passionate international team.
• Rapid professional growth based on merit.
• Reward for performance and long-term success.
• Fast track to grow internationally.
• Relocation support for eligible candidates.
• Remote and hybrid options in Manila.