Data Science (Credit Risk)

You'll own credit scoring across the full customer lifecycle — from application decisions to behavioral models that drive portfolio profitability.

What you'll do

• Build and improve Application and Behavioral Scorecards that drive underwriting and collections decisions across live credit products.
• Work within a regulated environment – prepare model documentation and defend modeling decisions to internal governance and external reviewers.
• Collaborate with product, analytics, and engineering to translate model outputs into strategy changes and implementation specs.

What you'll own

• Own the full modeling cycle: data exploration, feature design, model build, validation, deployment specs, and post-production monitoring.
• Track scorecard quality – AUC, KS, bad rate, stability index — and validate against real portfolio outcomes via NPV and backtesting.
• Prepare model documentation and governance artifacts for regulatory review.
• Shape credit strategy – your models directly influence approval, pricing, and collection decisions, not just inform them.

• 3+ years of hands-on experience building credit risk models — Application Scorecards and/or Behavioral Scorecards specifically (ECL/IFRS9-only experience does not substitute).
• Experience with model audits, documentation, or regulatory review support.
• Strong Python (pandas, scikit-learn) and SQL — you build models yourself, not just review others' work.
• Experience covering the full lifecycle: data, feature engineering, validation, and production monitoring.

• Hybrid-first work environment with a modern office in Bonifacio Global City, Manila
• Company-provided tools and equipment
• Work with an international team combining global fintech experience with deep Philippine market knowledge
• Direct access to decision-makers and a real voice in how we build for the Philippine market

• Medical insurance for you and your family
• 22 vacation days, Philippine public holidays, and 15 sick days
• 105 days of paid maternity leave and up to 14 days of paid paternity leave

• Opportunities to learn and share your expertise through internal expert meetups, external conferences, speaking opportunities, and industry publications
• Regular team offsites, sports activities, and team events
• High-performing teams can earn a dedicated beach house week in Southeast Asia

Salmon Bank (Rural Bank) Inc., the banking arm of Salmon Group Ltd, is a technology-driven challenger bank in the Philippines operating under a BSP license. We combine the trust of a regulated financial institution with the speed and convenience of a modern banking experience.

Here, product, risk, compliance, operations, technology, and customer experience work closely together to build and run a modern bank.

We work with fewer layers, close collaboration, and a culture where every voice can make a difference.

If you want to build reliable financial systems at speed, take on real operational complexity, and help raise banking standards across the Philippines, come build with us.