Data Science

Remote work is possible from +4 GMT and to +10 GMT

In today's world, traditional banking practices and conventional lenders have failed to keep pace with innovation. People deserve better financial services. At Salmon, we recognized this gap and decided to shake things up.

Led by a dynamic team of financial professionals and entrepreneurs, and backed by world-class investors, Salmon is on a mission to revolutionize financial services. We’ve built a business capable of raising over $60MM from the ADQ (the sovereign wealth fund of Abu Dhabi), World Bank Group, and other investors — despite a challenging market. Through innovative technology, intuitive product design, robust security measures, advanced data analytics, and unwavering dedication to customer saisfaction, we're redefining what it means to bank in the modern era.

We are building Salmon to become a financial technology business that works impeccably 24x365, providing easy access to finance for millions of Filipinos. We aim to foster financial inclusivity and empowerment with our customers.

We thrive on challenges and opportunities for growth. Our team is constantly seeking individuals with sharp analytical minds and a knack for innovation. If you're someone who loves tackling complex problems and isn't afraid to voice your ideas, then Salmon is the perfect place for you.

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.

• 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 throughNPV, 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

• 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

• 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

• Passionate international team spanning the globe
• Rapid professional growth. Merit (and merit only) rules the day
• Reward for performance and long-term success of Salmon
• Fast track to grow internationally
• New office in Manila, Philippines
• Relocation support for eligible candidates
• Remote (from +4 GMT and to +10 GMT) and hybrid options (in Manila).
• Medical insurance, health and wellness benefits
• Program of events and activities both online and in person