GoTo Group
Senior Data Scientist - Lending
- Workplace type
- On-site
- Location
- Jakarta
- Last checked
- Oct 26, 2026
About this role
About the Role
In this role, you will be an integral player within Data Science team based on Jakarta. You will take the wheel in building, evaluating, and monitoring credit risk models for a variety of consumer and merchant lending products GoPay offers in Indonesia. Your responsibilities will include enhancing our credit risk models by leveraging innovative and cutting-edge algorithms on GoTo data and third-party data vendors. Most importantly, your efforts will work to bring wider financial inclusion to more people in the region and beyond.
What You Will Do
What You Will Need
About the Team
Our team leverages big data from the GoTo universe, as well as external data, to build various predictive models to support the risk strategy team in real-time credit underwriting and management of the customer lifecycle Cicil (BNPL) and Pinjam (cash loans) products. As our model scores are key inputs to risk decisioning (e.g. approval/rejection of loans, credit limit adjustments), we are also able to see the direct impact of our models on the business and our customers.
We are a growing team and are constantly looking for opportunities to use data science to enhance our credit and fraud risk management capabilities. We are focused on growth and efficiency. We are all about open knowledge sharing and self-improvement. We believe that “Data Science is a team sport.”
About GoTo Group GoTo is the largest digital ecosystem in Indonesia. GoTo's mission is to 'empower progress' by offering technology infrastructure and solutions that help everyone to access and thrive in the digital economy. The GoTo ecosystem provides a wide range of services, including mobility, delivery, payments, financial services, and technology solutions for merchants. The ecosystem also provides e-commerce services through Tokopedia and banking services through its partnership with Bank Jago.
About Gojek Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.