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Data Scientist

Salary undisclosed

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Company Overview

DCAP Digital is a company revolutionizing the consumer financing landscape with its unique Lending-as-a-Service (LaaS) solution. It promotes financial inclusion through a full-stack consumer financing platform, connecting liquidity providers and consumers. Our innovative approach incorporates alternative credit scoring methods to better serve underbanked populations and first-time borrowers.

Key Features

  • Digitalized customer journey for partners.
  • Specialized support for vehicle purchase financing.
  • Commitment to serving underbanked and underserved populations.

Our Culture

At DCAP, we embrace a "fail-fast" culture that encourages rapid testing of business scenarios. We value:

  • Bold ideas and innovation.
  • Continuous learning and adaptation.
  • Viewing failure as a crucial part of growth and improvement.

Position Overview: Data Scientist

We are seeking a motivated and skilled Data Scientist to join our innovative team. This role combines expertise in data science, particularly in alternative credit scoring, with AI application development. The ideal candidate will contribute to our efforts in enhancing credit risk assessment through advanced analytics and non-traditional data sources while also developing AI-powered solutions to optimize our business processes. Additionally, the ability to handle ad hoc requests and adapt to changing priorities is crucial in this dynamic role.

Key Responsibilities:

Data Science and Credit Scoring (≈50%):

  • Assist in developing and maintaining alternative credit scoring models using machine learning techniques and non-traditional data sources.
  • Analyze diverse datasets, including non-traditional data, to identify patterns and trends in credit risk for underserved populations.
  • Support risk management teams in implementing credit assessment strategies.
  • Create data visualizations and reports to communicate insights to stakeholders.
  • Contribute to improving model performance through testing and validation.
  • Respond to ad hoc data analysis requests from various departments, providing quick insights and solutions.

AI Application Development (≈50%):

  • Participate in designing and developing AI applications to enhance various business processes.
  • Assist in implementing natural language processing (NLP) and computer vision solutions.
  • Contribute to the creation and optimization of deep learning models for predictive analytics.
  • Help develop AI-driven chatbots and virtual assistants to improve customer service.
  • Collaborate with software engineering teams to integrate AI solutions into existing systems.
  • Address urgent AI-related queries and provide rapid prototypes or proof-of-concepts as needed.

Qualifications:

  • Malaysia citizen with Bachelor's or Master's in Data Science, Computer Science, Statistics, or a related field.
  • 1 to 3 years of experience in data science, with exposure to credit risk modeling and/or AI applications development.
  • Strong programming skills in Python and SQL.
  • Proficiency with machine learning libraries (e.g., PyTorch, scikit-learn, or equivalent).
  • Knowledge of cloud platforms (e.g, AWS) and containerization (Docker) is advantageous.
  • Good communication skills and ability to explain technical concepts to non-technical stakeholders.
  • Strong problem-solving skills and attention to detail.
  • Flexibility and adaptability to manage multiple projects and ad hoc requests simultaneously.
  • Ability to work effectively under pressure and meet tight deadlines.

Why Join Us?

  • VCs-Backed Startup: With the support of big and well-known investors, we’re positioned for long term success.
  • Work alongside experienced leaders and innovators: Who are passionate about cutting-edge technology.
  • Career Development: Be the pioneer key player in a collaborative environment.
  • Make a Real Impact: Your contribution will directly shape the future of our products and the financing industry.

We recognize not everyone will have all the above requirements. If you meet most of the criteria above and you’re passionate about innovation and eager to work in a VCs-backed startup, let’s connect!