We are Salmon, a team of finance professionals and entrepreneurs backed by world-class investors — with the vision and capabilities to provide a new level of service and financial inclusion through a combination of technology, product design, security, data analytics and relentless focus on customer care.

We are building a financial technology business that works impeccably 24x365, creating thousands of jobs and provides easy access to finance for millions of Filipinos — and would love you see join us in this journey, as a partner, vendor, employee, or a customer. The new world is ours to discover together.

We are looking for a Data Scientist in our Credit Risk team.

About this role:

As a Data Scientist in our Credit Risk team, you’ll work on improving both application scoring (to enhance onboarding decisions) and behavioral scoring (to increase portfolio profitability). You’ll be responsible for the full modeling cycle: from exploring data and identifying meaningful patterns, to building and validating models, assessing their business impact, writing clear implementation requirements, and monitoring production performance.

The role goes beyond modeling — you’ll collaborate with product managers, analysts, and engineers to understand business context, generate and test hypotheses, and continuously refine our decision-making strategy. We operate in a modern, data-driven environment where models and statistics drive key decisions, and the infrastructure supports fast iteration and deployment.

Each task is evaluated through the lens of business value — there’s no such thing as work “for the drawer.” This is a high-responsibility, high-impact role for someone ready to influence strategy, own results, and gain deep exposure to credit data, user behavior, and market dynamics.

Your Future Responsibilities Await:

Own the full modeling cycle — from exploring raw data to preparing production-ready specs
Use metrics like AUC, KS, bad rate, and stability index to validate model quality
Track how models perform after launch and know when it’s time to retrain or adapt
Evaluate value through NPV, backtesting, and real-world portfolio performance
Translate insights into decisions — you’ll help evolve our credit strategy, not just build models
Contribute ideas that change how we approve, price, and manage credit — our internal tools are flexible and data-driven
Work closely with product and data to align every model with real business goals
Step in beyond your scope when needed — we value ownership over rigid roles
Every task is evaluated through the lens of business value — no "models for the drawer" here

What we expect from candidate:

2+ years of hands-on experience in data analytics or data science
Deep knowledge of statistics, probability, and machine learning algorithms
Proficiency in Python (pandas, scikit-learn) and SQL for data exploration and modeling
Experience working specifically with credit scoring models — building or validating models for application or behavioral risk
Hands-on experience with the full model lifecycle: from data analysis and feature design to deployment and post-production monitoring
Ability to translate modeling logic into implementation-ready specs
Prior work with credit products is a strong plus, especially in fintech
Experience assessing business impact of models (e.g. NPV, backtesting) is a plus
Exposure to cross-functional collaboration (e.g. with product or engineering teams) is a plus
Willingness to relocate to our Manila HQ is a strong advantage

Why would it be cool to work with us?

What we create

Modern banking services for millions of Filipinos
Cutting-edge solutions based on the best world practices and AI implementation
Licensed neobank aiming to be a unicorn and leading fintech in the fast-growing region of Southeast Asia
A business capable of raising over $60MM from the ADQ (the sovereign wealth fund of Abu Dhabi), World Bank Group and other investors despite the challenging market
An environment that allows you to launch new products in 3-4 months
A basis for expanding into new markets all over the world

What we offer