Data Science (Credit Risk)
Salmon Bank (Rural Bank)Australia3 hours ago
Full-timeRemote FriendlyEngineering, Information Technology
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Salmon – Who We Are
Salmon Group Ltd (“Salmon”) is a leading financial technology company focused on improving financial inclusion in the Philippines. Through its Philippine subsidiaries, including the Rural Bank of Sta. Rosa (Laguna), Inc. (“Bank”), Salmon delivers accessible financial services to underserved and underbanked Filipinos.
The Bank is renamed to Salmon Bank (Rural Bank) Inc., with BSP approval secured and SEC processing underway. It plans to apply for a Thrift Bank license by this year. In 2024, assets grew 12x to PHP1.3 billion, driven by strong consumer lending. The Bank aims to increase assets 5x in 2025 and to increase equity from PHP682 million (as of 31 May 2025) to PHP1.2 billion by 2026.
Salmon was founded by Pavel, George, and Raffy, who held senior leadership roles at Tinkoff, one of the world's most successful and profitable digital banks. Tinkoff is widely recognized for its innovation and scale in emerging markets, offering a strong foundation of experience for Salmon’s leadership team.
In under three years, Salmon has built a global team of finance and technology professionals and raised USD 184 million in equity and debt to support its operations in the Philippines. Key shareholders include the International Finance Corporation (World Bank Group), ADQ/Lunate (Abu Dhabi’s sovereign wealth fund), Back in Black Capital, Northstar Group, Spice Expeditions, Antler Elevate, and other prominent investors from the US and the Philippines.
About this role:
As a Data Scientist in our Credit Risk team, you’ll work on improving both application scoring (to enhance onboarding decisions) and behavioral scoring (to increase portfolio profitability). You’ll be responsible for the full modeling cycle: from exploring data and identifying meaningful patterns, to building and validating models, assessing their business impact, writing clear implementation requirements, and monitoring production performance.
The role goes beyond modeling — you’ll collaborate with product managers, analysts, and engineers to understand business context, generate and test hypotheses, and continuously refine our decision-making strategy. We operate in a modern, data-driven environment where models and statistics drive key decisions, and the infrastructure supports fast iteration and deployment.
Each task is evaluated through the lens of business value — there’s no such thing as work “for the drawer.” This is a high-responsibility, high-impact role for someone ready to influence strategy, own results, and gain deep exposure to credit data, user behavior, and market dynamics.
Your Future Responsibilities Await 🔧:
What We Create
Salmon Group Ltd (“Salmon”) is a leading financial technology company focused on improving financial inclusion in the Philippines. Through its Philippine subsidiaries, including the Rural Bank of Sta. Rosa (Laguna), Inc. (“Bank”), Salmon delivers accessible financial services to underserved and underbanked Filipinos.
The Bank is renamed to Salmon Bank (Rural Bank) Inc., with BSP approval secured and SEC processing underway. It plans to apply for a Thrift Bank license by this year. In 2024, assets grew 12x to PHP1.3 billion, driven by strong consumer lending. The Bank aims to increase assets 5x in 2025 and to increase equity from PHP682 million (as of 31 May 2025) to PHP1.2 billion by 2026.
Salmon was founded by Pavel, George, and Raffy, who held senior leadership roles at Tinkoff, one of the world's most successful and profitable digital banks. Tinkoff is widely recognized for its innovation and scale in emerging markets, offering a strong foundation of experience for Salmon’s leadership team.
In under three years, Salmon has built a global team of finance and technology professionals and raised USD 184 million in equity and debt to support its operations in the Philippines. Key shareholders include the International Finance Corporation (World Bank Group), ADQ/Lunate (Abu Dhabi’s sovereign wealth fund), Back in Black Capital, Northstar Group, Spice Expeditions, Antler Elevate, and other prominent investors from the US and the Philippines.
About this role:
As a Data Scientist in our Credit Risk team, you’ll work on improving both application scoring (to enhance onboarding decisions) and behavioral scoring (to increase portfolio profitability). You’ll be responsible for the full modeling cycle: from exploring data and identifying meaningful patterns, to building and validating models, assessing their business impact, writing clear implementation requirements, and monitoring production performance.
The role goes beyond modeling — you’ll collaborate with product managers, analysts, and engineers to understand business context, generate and test hypotheses, and continuously refine our decision-making strategy. We operate in a modern, data-driven environment where models and statistics drive key decisions, and the infrastructure supports fast iteration and deployment.
Each task is evaluated through the lens of business value — there’s no such thing as work “for the drawer.” This is a high-responsibility, high-impact role for someone ready to influence strategy, own results, and gain deep exposure to credit data, user behavior, and market dynamics.
Your Future Responsibilities Await 🔧:
- Own the full modeling cycle — from exploring raw data to preparing production-ready specs
- Use metrics like AUC, KS, bad rate, and stability index to validate model quality
- Track how models perform after launch and know when it’s time to retrain or adapt
- Evaluate value through NPV, backtesting, and real-world portfolio performance
- Translate insights into decisions — you’ll help evolve our credit strategy, not just build models
- Contribute ideas that change how we approve, price, and manage credit — our internal tools are flexible and data-driven
- Work closely with product and data to align every model with real business goals
- Step in beyond your scope when needed — we value ownership over rigid roles
- Every task is evaluated through the lens of business value — no "models for the drawer" here
- 2+ years of hands-on experience in data analytics or data science
- Deep knowledge of statistics, probability, and machine learning algorithms
- Proficiency in Python (pandas, scikit-learn) and SQL for data exploration and modeling
- Experience working specifically with credit scoring models — building or validating models for application or behavioral risk
- Hands-on experience with the full model lifecycle: from data analysis and feature design to deployment and post-production monitoring
- Ability to translate modeling logic into implementation-ready specs
- Prior work with credit products is a strong plus, especially in fintech
- Experience assessing business impact of models (e.g. NPV, backtesting) is a plus
- Exposure to cross-functional collaboration (e.g. with product or engineering teams) is a plus
- Willingness to relocate to our Manila HQ is a strong advantage
What We Create
- Modern banking services for millions of Filipinos
- Cutting-edge solutions based on the best world practices and AI implementation
- Licensed neobank aiming to be a unicorn and leading fintech in the fast-growing region of Southeast Asia
- A business capable of raising over $200MM from the ADQ (the sovereign wealth fund of Abu Dhabi), World Bank Group and other investors despite the challenging market
- An environment that allows you to launch new products in 3-4 months
- A basis for expanding into new markets all over the world
- Passionate international team spanning the globe
- Rapid professional growth. Merit (and merit only) rules the day
- Reward for performance and long-term success of Salmon
- Fast track to grow internationally
- New office in Manila, Philippines
- Relocation support for eligible candidates
- Remote (from +4 GMT and to +10 GMT) and hybrid options (in Manila).
- Medical insurance, health and wellness benefits
- Program of events and activities both online and in person
Key Skills
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