Job Description Design and build scalable machine learning models using large-scale transaction, behavioral, financial, and credit bureau data to support retail and SME lending in Southeast Asia, covering underwriting, credit limit management, risk-based pricing, and portfolio optimization. Extract actionable insights from complex datasets and apply both traditional statistical methods and advanced deep learning techniques to maximize model performance and business impact. Partner closely with Strategy and Business teams to define problems, design modeling solutions, and convert insights into measurable outcomes. Collaborate with Data Engineering to deploy models into production, enhance performance in live environments, and establish end-to-end monitoring and evaluation mechanisms. Continuously explore state-of-the-art methodologies including sequential modeling, graph learning, causal inference, and multi-task learning to solve challenging risk-decision problems. Lead AI/LLM-driven i...