{"id":2588270,"url":"https://alion.io/job/salmon-group-data-science-credit-risk","title":"Data Science (Credit Risk)","company":{"id":2207044,"name":"Salmon","domain":"salmon.group","url":"https://alion.io/company/salmon-group","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":{"grade":"B","score":75,"open_postings":5,"ghost_share":0,"stale_share":1,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-10-19T05:45:15Z"}},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Taguig, Philippines"],"countries":["PH"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":9500,"max_usd":21000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":8},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"Scikit-learn","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-14T04:20:05Z","employer_posted_date":"2026-10-14","last_verified_at":"2026-10-19T14:21:01Z","board_verified":true,"closed_at":null,"days_open":5,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":5},"description":"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.\nHere, product, risk, compliance, operations, technology, and customer experience work closely together to build and run a modern bank.\nWe work with fewer layers, close collaboration, and a culture where every voice can make a difference.\nIf 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.\nAbout the role\nYou'll own credit scoring across the full customer lifecycle - from application decisions to behavioral models that drive portfolio profitability.\nWhat you'll do\nBuild and improve Application and Behavioral Scorecards that drive underwriting and collections decisions across live credit products.\n\nWork within a regulated environment - prepare model documentation and defend modeling decisions to internal governance and external reviewers.\n\nCollaborate with product, analytics, and engineering to translate model outputs into strategy changes and implementation specs.\n\nWhat you'll own\nOwn the full modeling cycle: data exploration, feature design, model build, validation, deployment specs, and post-production monitoring.\n\nTrack scorecard quality - AUC, KS, bad rate, stability index - and validate against real portfolio outcomes via NPV and backtesting.\n\nPrepare model documentation and governance artifacts for regulatory review.\n\nShape credit strategy - your models directly influence approval, pricing, and collection decisions, not just inform them.\n\nWhat makes you a strong fit\n3+ years of hands-on experience building credit risk models - Application Scorecards and/or Behavioral Scorecards specifically (ECL/IFRS9-only experience does not substitute).\n\nExperience with model audits, documentation, or regulatory review support.\n\nStrong Python (pandas, scikit-learn) and SQL - you build models yourself, not just review others' work.\n\nExperience covering the full lifecycle: data, feature engineering, validation, and production monitoring.\n\nWhat we offer\nWork and ownership\nHybrid-first work environment with a modern office in Bonifacio Global City, Manila\n\nCompany-provided tools and equipment\n\nWork with an international team combining global fintech experience with deep Philippine market knowledge\n\nDirect access to decision-makers and a real voice in how we build for the Philippine market\n\nHealth and time off\nMedical insurance for you and your family\n\n22 vacation days, Philippine public holidays, and 15 sick days\n\n105 days of paid maternity leave and up to 14 days of paid paternity leave\n\nLearning and team experience\nOpportunities to learn and share your expertise through internal expert meetups, external conferences, speaking opportunities, and industry publications\n\nRegular team offsites, sports activities, and team events\n\nHigh-performing teams can earn a dedicated beach house week in Southeast Asia\n\nWe believe strong teams are built by people with different backgrounds, experiences, and points of view. 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