Job Description

About the Role

We are seeking a

highly analytical and data-driven professional

to join a growing

Credit Risk team

as an

Assistant Manager, Credit Risk Modeler (Data Scientist)

.
In this role, you'll play a key part in

developing and refining credit risk models and scorecards

, enabling data-backed decision-making and risk strategy optimization.

You'll work closely with the Head of Credit Risk and cross-functional teams to design, test, and deploy predictive models that help drive better credit decisions and portfolio performance.

Key Responsibilities

Design, implement, and maintain

quantitative credit risk models and scorecards

to assess default likelihood, repayment behavior, affordability, and recovery expectations across multiple retail segments. Develop and monitor

credit scoring and financial forecasting models

, leveraging traditional statistical approaches and

advanced predictive analytics

(e.g., segmentation, optimization, and machine learning). Collaborate with stakeholders to integrate model outputs into

credit decisioning frameworks

,

risk appetite settings

, and

capital assessments

. Perform regular

model validation, back-testing, and performance tracking

to ensure robustness and compliance with internal governance frameworks. Partner with internal and external validators to address any model risk findings and ensure timely resolution. Proactively identify risk trends, portfolio issues, and opportunities through

data analytics and visualization

.

Qualifications & Experience

Bachelor's degree in

Statistics, Mathematics, Engineering, Data Science/Analytics

, or any quantitative field. (Master's degree preferred.)*
Minimum

5-7 years of experience

in credit risk modeling, risk analytics, or related data science roles. Strong command of

R, Python, and SQL

for data manipulation and model development. Proven experience working with

consumer lending portfolios

or

credit risk management frameworks

is highly advantageous. Excellent analytical, critical thinking, and communication skills. Strong stakeholder management and ability to translate analytical insights into business strategies.
Job Type: Full-time

Pay: RM7,500.00 - RM9,500.00 per month