Staff Data Scientist (Fintech)

TL;DR

Staff Data Scientist (Fintech): Building and refining credit underwriting and risk analytics models for the Philippines market with an accent on predictive modeling and alternative data sources. Focus on developing foundational credit models from scratch, predicting loss performance, and modernizing legacy credit systems.

Location: Remote (Australia or Singapore). Requires travel 2-4 times per year.

Company

Fintech company creating a new credit system using machine learning to expand financial access worldwide.

What you will do

• Build and refine underwriting and risk models for the Cashalo business in the Philippines.
• Develop foundational credit models and features from the ground up.
• Apply advanced modeling techniques to predict loss performance using alternative data sources.
• Collaborate with cross-functional teams across credit, engineering, and leadership.
• Shape near-term lending performance and long-term data infrastructure.

Requirements

• Deep expertise in predictive modeling, specifically within credit risk or actuarial settings.
• Strong proficiency in Python, SQL, and ML libraries such as scikit-learn, LightGBM, and XGBoost.
• Experience building models from scratch in high-growth, ambiguous environments.
• Must be based in Australia or Singapore.
• Strong stakeholder management and clear communication skills for presenting to non-technical leadership.

Nice to have

• Fintech experience, particularly in credit/lending or alternative underwriting.
• Knowledge of deep learning frameworks (TensorFlow, PyTorch) and modelling (CNN, RNN).
• Exposure to Philippines' credit markets.
• Familiarity with legacy credit systems and how to modernize them.

Culture & Benefits

• Virtual-first culture with a team distributed across 14 countries and 12 time zones.
• Competitive compensation packages including generous equity.
• Flexible health plans and substantial subsidies that stand up to global standards.
• WFH office reimbursement.
• Paid global onsites twice a year to reconnect with the team.

Hiring process

• Initial Recruiter Call to discuss experience and expectations.
• Hiring Manager Interview focusing on background and problem-solving approach.
• Skills Panel with team members to discuss expertise through real-world scenarios.
• Leadership Conversation with the CEO to discuss mission and contribution.