Credit Risk Data Scientist
hace 12 horas

Te gustaría ayudarnos a seguir cumpliendo nuestro propósito de conectar a más personas, mejorar sus vidas y desarrollar nuestras comunidades? Entonces Tigo es para ti.

Creemos en la innovación, somos agentes de cambio, nos adaptamos y movemos a nuestra clientela al centro de todo lo que hacemos.

Crece y desarróllate con nuestro gran equipo de trabajo, donde juntos transformaremos vidas y comunidades, además tendrás la oportunidad de participar en proyectos desafiantes y podrás aportar tus valiosas ideas.

Esta es tu oportunidad, ven, píntate de azul y acompáñanos en esta aventura llamada Sangre Tigo.

Postúlate ahora!

Credit Risk Data Scientist

Keys Responsabilities

  • This position will assist the Risk & Fraud Team in managing the various information systems and databases, interacting closely with managers within the Risk department and other internal departments for operational purposes.
  • Collaborates with analytics and business teams to research, design, prototype, test and document scoring models using advance analytics for automated, near real time decision making.
  • Validates periodically performance indicators of scoring models used by lending processes
  • Propose new analytical tools to support lending decision making process
  • Collaborates with analytics, data engineering and business teams to improve data models that feed MFS’ Data Lakehouse, increasing data accessibility and fostering data-driven decision making across the organization.
  • Designs and implements processes and systems for performing tasks such as data cleansing, exploratory analysis, predictive modeling (including rules engines), and analytics operations once the model is release into production.
  • Test model output through back testing, sensitivity analysis, stress testing or other analysis as applicable
  • Develop, review and enhance the internal PD, LGD and EAD / CCF credit risk models in accordance with internal standards and best practices
  • Presents findings to teammates and guide the transition of new algorithms into operational code. Also serves as a point person for collaborations with various stakeholders including subject matter experts, business owners, business analysts, software engineers, data engineers, and upper management.
  • Desired Skills

  • Strong written and verbal communication skills. Must be comfortable leading meetings and making formal presentations.
  • Exceptional service, results oriented individual with superior analytical, evaluative, and problem-solving abilities.
  • Examine data from various angles to find patterns, trends and / or business opportunities.
  • Ability to understand a problem from a non-technical stakeholder and offer insights based on Data for potential solutions
  • Use analytics programs, machine learning and statistical methods for research / product delivery tools.
  • Self-starter requiring minimal supervision.
  • Quantitative programming skills (e.g., Python, R, etc.) Experience with Cloud technologies (AWS, GCP, Azure) it’s a nice-to-have.
  • Desired Professional Skils

  • At least 3+ years experience at lending institutions.
  • Strategic thinker with strong analytical and creative problem-solving skills. Conducts extensive research, identifies business problems and creates analytical / modeling frameworks and solutions.
  • Experience working with Credit Reference Agency data e.g., Equifax, Experian, TransUnion, etc.
  • Prior experience developing and validating credit risk scores.
  • Experience implementing experimental design or Champion Challenger strategies
  • Solid knowledge in : Programming languages (Python, R , SAS), Machine Learning packages (scikit-learn, Tensorflow, Pytorch), Supervised Learning and Unsupervised Learning ML, Data visualization tools (Tableau or Power BI) and ideally AI Platforms (Datarobot, Sagemaker,
  • Additional qualifications : advanced SQL knowledge is required (No-SQL experience is a plus)
  • Competencies

  • Leading by Connecting : Connect people; stimulate collaboration and growth in teams across functions, operations and different cultures.
  • Share experience and knowledge that leads to a learning organization, creating sustainable expertise which drives the development of people.

    Be comfortable with multicultural and fast paced environment

  • Leading by Delivery : Anticipate situations and take initiative to overcome them. The result is a swift and on time delivery of qualitative and quantitative results
  • Leading by Change : From embracing change until leading and facilitating the implementation of change. Communicates change in such a way that people understand it.
  • The end result is an on-time implementation of change projects and actions while maintaining a high level of motivation and commitment

  • Leading by Owning : Take responsibility for own results as well as for company results and values. Stimulate this attitude in others, make co-workers accountable.
  • The end result is proactivity, creativity and motivation : capable people who take ownership

    Desired Education Profile

    Bachelor's Degree in quantitative discipline (such as Financial Engineering, Computational Finance, Mathematical Finance, Math / Statistics, Econometrics, or related fields)

    Main Interfaces

    MFS Head of Risk & Fraud, MFS Chief Technology Officer, Cybersecurity teams, Data teams, Product teams.


    Somos una compañía multinacional líder de servicios móviles, internet y televisión por cable que está presente en Latinoamérica y somos la empresa líder de las telecomunicaciones en Panamá.

    A nivel latinoamericano Tigo ha sido reconocido durante varios años en el ranking de Great Place to Work como una excelente empresa para trabajar.

    Nuestra gente es nuestro activo más preciado. Tigo Panamá emplea más de 2,500 personas a nivel nacional de manera directa y ofrece oportunidades de crecimiento interno a su personal.

    Tenemos un firme propósito que nos mueve y nos une a todos los que trabajamos en la compañía : Construir la mayor autopista digital para conectar a los panameños desarrollando las comunidades que atendemos y mejorando su calidad de vida .

    Por nuestras venas corre Sangre Tigo, estamos orgullosos de nuestra compañía y su historia, somos innovadores, somos apasionados, vivimos para mejorar nuestras comunidades y nuestros clientes son el centro de todo lo que hacemos.

    Te invitamos a formar parte de nuestra familia Tigo!

    Millicom Tigo is proud to be an Equal Employment Opportunity employer committed to a diverse workforce and nondiscrimination policy in all aspects of employment.

    We provide equal opportunity and access for all persons, without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a disabled veteran or other protected veteran, or any other protected characteristic, in all phases of the employment process and in compliance with applicable federal, state, and local laws and regulations.

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