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Cermati.com

Data Scientist - Risk Analytics & Modelling

Cermati.com Special capital Region of Jakarta, Java, Indonesia

Financial Services · 1,001-5,000 employees

Oct 12
data-scientist Junior (0-2 yrs) Full-time Indonesia
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About the role

The role involves monitoring portfolio risk metrics, performing root cause analysis on risk indicators, and identifying suspicious behavioral patterns. You will translate these findings into actionable credit decisions and build SQL-based dashboards to support ongoing risk surveillance.

What they look for

Python SQL MS Excel Risk Analytics Data Analysis Credit Scoring Portfolio Monitoring Root Cause Analysis Statistical Modeling Problem Solving Communication Teamwork Data Visualization Financial Datasets

Requirements

Candidates should hold a bachelor's degree in an analytical or quantitative discipline such as math, statistics, or computer science. Proficiency in Python, SQL, and MS Excel is required, along with strong problem-solving skills and the ability to work effectively in a team.

Full description

Job Description

We're looking for candidates with strong analytical skills and hands-on experience working with financial datasets. You will be responsible for monitoring portfolio health, performing deep-dive exploration and analysis to identify risk drivers and improvements in our existing framework, and translating findings into actionable credit decisions. You will partner with business, product, and engineering teams to solve some of the most challenging problems in lending while also continuously improving portfolio quality by balancing risk control with growth opportunities. You will be embedded in a fast-paced environment, working within a strong team of data scientists with access to a robust data infrastructure.

Responsibilities

  • Monitor portfolio risk metrics on a regular basis and proactively flag anomalies or emerging trends
  • Perform root cause analysis when risk indicators deteriorate to pinpoint what's driving the change, such as identifying suspicious behavioral patterns
  • Translate findings into concrete recommendations and implement adjustments as needed
  • Build and maintain SQL-based features, analyses, and monitoring dashboards to support ongoing risk surveillance
  • Perform occasional model evaluation to support credit scoring improvements

Qualifications

  • Fresh Graduate/Bachelor's degree in an analytical or quantitative discipline (e.g. math, statistics, engineering, computer science), however other disciplines will be considered
  • Experienced in using statistical computer languages such as Python, SQL, and MS Excel
  • Have good communication skills and able to work together in a team
  • Excellent problem-solving skills and have the drive to learn and master new technologies and techniques
  • Willingness to learn new skills independently and have a strong sense of project ownership
  • Not afraid to get your hands dirty exploring data, investigating anomalies, and building SQL-based analyses
  • Comfortable working with large tabular datasets to detect trends and anomalies, and communicating findings as actionable recommendations.
  • Exposure to credit scoring modelling concepts is a plus.

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