Job Title: The Head of Analytics & Data Science (8 -12 Yeras)
The Head of Analytics & Data Science will transform this raw asset into most durable competitive moat. You will:
- Build in-house credit underwriting models for MSMEs who have no formal credit history, using our payments ecosystem and alternative data signals
- Design fraud and risk engines that protect a merchant base operating across cash, QR, and card channels
- Make data a decision-making layer across every business unit - from hardware ops and field sales to product and finance
- Build & grow a 5-person team into a world-class analytics and ML organization
Requirements:
Must-Have
- 8-12 years in data leadership, with at least 4 years in fintech (payments, lending, or fraud/risk)
- Hands-on experience building credit underwriting models for thin-file or informal economy borrowers - MSME or consumer lending in emerging markets preferred
- Deep expertise in fraud detection systems across digital payment channels (QR, card, wallet)
- Proficiency in Python, SQL, and ML frameworks (XGBoost, LightGBM, deep learning for behavioral data)
- Experience with streaming data architectures (Kafka, Flink, or Spark Streaming) for real-time decisioning
- Proven ability to build and lead data teams - hiring, mentoring, and retaining strong talent
- Strong executive communication: able to translate model outputs into business decisions and board-level narratives
Nice-to-Have
- Experience in Indonesia or Southeast Asia fintech, with familiarity with Bank Indonesia and OJK regulatory frameworks
- Prior work on IoT or device telemetry analytics (relevant to EDC/POS and QRIS soundbox fleet management)
- Exposure to agent-based or field sales distribution models and the analytics that support them
- Experience deploying voice or alternative data signals in underwriting or fraud models
- Familiarity with no-code/low-code data tooling for enabling business teams
