Data Scientist (Credit Risk)

TL;DR

Data Scientist (Credit Risk): Improving application and behavioral scoring to enhance onboarding decisions and increase portfolio profitability with an accent on building, validating, and monitoring models. Focus on influencing credit strategy, owning results, and gaining deep exposure to credit data, user behavior, and market dynamics.

Location: Remote work is possible from +4 GMT to +10 GMT, or hybrid option in Manila, Philippines.

Company

hirify.global provides modern banking services for millions of Filipinos.

What you will do

• Own the full modeling cycle — from exploring raw data to preparing production-ready specs.
• Use metrics to validate model quality.
• Track how models perform after launch and know when it’s time to retrain or adapt.
• Evaluate value through NPV, backtesting, and real-world portfolio performance.
• Translate insights into decisions to evolve credit strategy.
• Work closely with product and data to align every model with real business goals.

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 working specifically with credit scoring models — building or validating models for application or behavioral risk.
• Hands-on experience with the full model lifecycle: from data analysis and feature design to deployment and post-production monitoring.
• Ability to translate modeling logic into implementation-ready specs.

Nice to have

• Prior work with credit products is a strong plus, especially in fintech.
• Experience assessing business impact of models (e.g. NPV, backtesting) is a plus.
• Exposure to cross-functional collaboration (e.g. with product or engineering teams) is a plus.
• Willingness to relocate to our Manila HQ is a strong advantage.

Culture & Benefits

• Passionate international team spanning the globe.
• Rapid professional growth based on merit.
• Reward for performance and long-term success.
• Fast track to grow internationally.
• New office in Manila, Philippines.
• Relocation support for eligible candidates.
• Medical insurance, health and wellness benefits and program of events and activities both online and in person.