Data Scientist (Scoring Model - Lending)

• Develop and implement robust scoring models (application scorecards) for car loan products to support business.
• Explore alternative data to enhance the scorecard model performance on top of traditional credit data by incorporating with other provider such as Telco, E-commerce.
• Continuously monitor, improve, and validate the models’ performance and research on the latest modeling methodology and best industry practices, while meeting all regulatory requirements.
• Able to keep identifying the credit/business issues to find solutions or quality improvements using scoring/modeling/analytics tools.
• Cooperate with product and tech team and risk team for the implelementation strategy of the scoring model.

• At least a Bachelor’s degree with excellent GPA in Math, Statistic, Computer Science, Risk Management or Engineering.
• Minimal 3+ years experience in lending as data modeling/data engineer/scoring analyst that have experience to deploy, and maintain the scoring model. Certification is a plus.
• Experience of SQL, and Python programming (Phyton is mandatory), knowledge of Statistical/Machine learning algorithm such as Logistic Regression, and Gradient boost (XGBoost/CatBoost), KMeans.
• Understand and experience to validate the model accurately and make recomendations based on the analytisc.
• Knowledge in retail loans of FI, credit risk and business process and experience in doing data profiling, mapping attributes, ETL, to support the scoring creation.
• Hardwork and highly motivated person that can work under pressure.
• Solid oral and written Indonesian and English communication skills and able to communicate terms to users.

• Must have built and implemented at least one credit scoring (approval score) model.
• Experience in identifying effective models and proficient in tool validation.
• Required tools: Python and SQL.

About Moladin

Moladin is Indonesia’s leading mobility fintech platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladin’s vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).

For further information about Moladin, please visit https://moladin.com

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