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About JULO

JULO (www.julo.co.id) is a digital lending company that is revolutionizing access to financial products for millions of emerging consumers in Indonesia. The Company has developed the first digital data-driven credit underwriting and risk assessment platform to process consumer loan applications and determine their creditworthiness using its mobile app.

Established in late 2016, JULO deployed its lending platform in Jakarta and surrounding cities, and the Company is about to enter a hyper-growth period. Expansion to the rest of Indonesia is expected to complete within a year. JULO is based in Jakarta and is backed by leading venture capital firms in Indonesia and Singapore.

We are looking for a highly motivated, senior data scientist who loves technology with excellent problem-solving skills to take JULO’s machine learning capabilities to the next level.

What you will do:

• Work as independent contributor and part of a cross-functional team of engineers, product managers and business analysts to build data science solutions that solve a wide array of business value such as increasing customer engagement and help grow JULO’s customer base and transactions
• Rapidly prototype data science solutions and be involved in product and feature discussions
• Analyze large volume data and generate insights which will be actionable
• Own end-to-end solutioning, from formulating the technical problem to deployment (along with engineers) of the solution
• Continuously improve the predictive value of our models, monitor model performance in production systems closely
• Develop a culture of highly reproducible work, attention to detail, quality of work and getting solutions to production quickly

You should have:

• Exceptional CAN-DO ATTITUDE
• 3+ years of experience of applied Quantitative Analysis, Statistical Analysis or Modelling
• Experience working with relational SQL databases
• Fluency in Python and the Python Data Science toolkit
• Excellent communication skills (Bahasa Indonesia and English)
• You must be results-oriented and willing to work in a fast and dynamic environment
• Deep understanding of Linear Algebra, (Multivariate) Calculus, Applied Mathematics and Statistics, Algorithms and complex optimization
• Bachelor or Master’s degree in Statistics, (Applied) Mathematics, Engineering, Computer Science, or similar advanced degree is preferred

Nice to have experience in any of the following:

• Experience with A/B testing and experimentation
• Domain knowledge in credit scoring, risk or loan portfolio management
• PhD Degree in Statistics, Mathematics, or Applied Mathematics

What problems you’ll work on:

• Behavior Score Model to provide relevant customers’ creditworthiness to determine the credit limit
• User-level Incentive Model to assign the most optimized incentive to the right customers
• Collection Recommendation Enginerrangement, following team's arrangement