Deskripsi Pekerjaan
Join Monee's pioneering fintech team as a Research Scientist specializing in Applied Machine Learning for Credit Risk. This role offers the opportunity to transform financial services through cutting-edge AI solutions. You'll design and implement advanced ML methodologies to revolutionize credit risk modeling across underwriting, dynamic pricing strategies, and credit limit optimization. Collaborate with cross-functional teams to translate complex business challenges into robust predictive models that directly impact financial inclusion and risk management. Your work will shape the future of responsible lending in Southeast Asia's rapidly evolving digital economy.
Tanggung Jawab
- Develop and deploy novel ML models for credit scoring, default prediction, and risk assessment
- Research and implement state-of-the-art algorithms in time-series analysis and anomaly detection for financial data
- Collaborate with data engineers to build scalable ML pipelines for real-time credit decisioning
- Design A/B testing frameworks to validate model performance and business impact
- Translate technical findings into actionable insights for product and business stakeholders
- Ensure compliance with regulatory requirements in financial machine learning applications
- Pioneer research on emerging techniques like federated learning for privacy-preserving credit modeling
Kualifikasi
- PhD or Master's in Computer Science, Statistics, Mathematics, or related quantitative field
- 3+ years of applied ML experience in fintech, banking, or credit risk domains
- Expertise in Python with strong libraries (scikit-learn, TensorFlow, PyTorch)
- Proven track record of deploying production ML models for financial applications
- Deep understanding of credit risk concepts: PD, LGD, EAD, and Basel frameworks
- Experience with big data processing (Spark, Hadoop) and cloud platforms (AWS/GCP)
- Strong publication record in top ML conferences or journals