Data Scientist – MCA

Join GoTyme as a Data Scientist and play a pivotal role in assessing, analyzing, and mitigating credit risks within the MCA Credit Analytics team. Work end-to-end from data exploration to production-aligned features and monitoring to improve credit decisioning and portfolio performance.

Requirements

• Degree in Data Science, Statistics, Mathematics, or a related quantitative field
• Familiarity with BSP credit risk guidelines and IFRS 9 is advantageous
• 3+ years of experience in data science, credit analytics, or credit risk management within a bank, fintech, lender, or consulting environment
• Strong background in statistical modelling, machine learning, and predictive analytics
• Proficiency in Python and/or SQL; familiarity with R is an advantage
• Experience building and validating credit risk models, including scorecards and provisioning models
• Solid grounding in predictive model evaluation — ranking performance, calibration, and stability — and business impact measurement
• Exposure to advanced machine learning concepts (ensemble methods, cross-validation, hyperparameter tuning) and the ability to apply them responsibly in production settings
• Strong business acumen with the ability to communicate insights to both technical and non-technical stakeholders
• Curious and pragmatic, focused on measurable outcomes; comfortable working in detail and iterating quickly while maintaining quality
• Collaborative and able to work across markets and time zones
• Experience in SME lending, merchant cash advances, or alternative credit products
• Familiarity with IFRS 9, Basel, or BSP-equivalent credit risk regulatory frameworks
• Experience with bureau data, open banking/transactional data, device/behavioural signals, or alternative data sources
• Exposure to cloud-based data platforms (Databricks, BigQuery, Snowflake, AWS, GCP, or Azure) and version control (Git)
• Familiarity with model monitoring, governance, and documentation practices in regulated environments
• Knowledge of model interpretability methods (e.g., SHAP, LIME)

Benefits

• Full-time position
• Hybrid work arrangement

Tagged as: Data Analysis, Python