Salmon is a technology-driven financial company building a banking and lending platform across Southeast Asia, starting in the Philippines.
7M+ app downloads. 2M+ monthly active users. 7000+ partner stores. US$350M+ raised from top-tier investors.
Here, you get real ownership from day one, high standards, and direct communication. You'll work alongside a team that combines deep local knowledge and experience scaling regulated financial companies from scratch.
If you want to solve complex problems at scale and directly impact how millions of people access and manage money, come build with us.
Southeast Asia's fintech moment starts here.
About the role
You'll own credit scoring across the full customer lifecycle — from application decisions to behavioral models that drive portfolio profitability.
What you'll do
Build and improve Application and Behavioral Scorecards that drive underwriting and collections decisions across live credit products
Work within a regulated environment — prepare model documentation and defend modeling decisions to internal governance and external reviewers
Collaborate with product, analytics, and engineering to translate model outputs into strategy changes and implementation specs
What you'll own
Full modeling cycle: data exploration, feature design, model build, validation, deployment specs, and post-production monitoring
Scorecard quality — tracked through AUC, KS, bad rate, stability index, and assessed against real portfolio outcomes via NPV and backtesting
Model documentation and governance artifacts ready for regulatory review
Credit strategy input — your models influence approval, pricing, and collection decisions, not just inform them
What makes you a strong fit
3+ years of hands-on experience building credit risk models — Application Scorecards and/or Behavioral Scorecards specifically (ECL/IFRS9-only experience does not substitute)
Participated in model audits, prepared documentation, or supported regulatory review
Strong Python (pandas, scikit-learn) and SQL — you build models yourself, not just review others' work
Experience covering the full lifecycle: data, feature engineering, validation, production monitoring
Experience in the Philippine financial services industry is a strong plus
Familiarity with Databricks or similar environments is a plus
Skills Required
- 3+ years hands-on experience building credit risk models (Application and/or Behavioral Scorecards)
- Participated in model audits, prepared documentation, or supported regulatory review
- Strong Python (pandas, scikit-learn)
- Strong SQL skills
- Experience covering full lifecycle: data exploration, feature engineering, validation, production monitoring
- Experience in the Philippine financial services industry
- Familiarity with Databricks or similar environments
What We Do
Salmon Group Ltd is a financial technology company serving Filipino consumers with modern, inclusive financial services. Its platform combines technology, product design, security, data analytics and customer care to make finance easier to access. Salmon offers consumer-focused products including short-term loans and digital banking services, with the broader mission of improving convenience, affordability and financial inclusion while operating securely around the clock.
