Senior Data Scientist

Job Title:

Location:

Experience: 8

About the Job

We are looking for a highly skilled and impact-oriented Senior Data Scientist to design, develop, and scale machine learning solutions that support critical decision-making across Credit Risk, Customer Growth, Marketing, and Operations in our Retail Banking division. This is a high-visibility Individual Contributor role, responsible for delivering production-grade models that directly drive business outcomes.

The ideal candidate brings deep expertise in statistical analysis, machine learning, and data-driven problem solving, with a strong track record of translating complex datasets into actionable insights. You will collaborate closely with Data Engineers, Product Managers, and Business Stakeholders to build end-to-end solutions that enable both real-time and batch inference in a high-performance, production environment.

Job Responsibilities:

• The candidate must be able to independently manage his/ her own workstream and effectively collaborate with other regional teams.

• Develop and deploy machine learning models to support key business areas such as Credit Risk, Fraud Detection, Customer Segmentation, Marketing Optimization, and Collections Strategy.

• Collaborate with cross-functional teams (Data Engineers, Product Managers, Engineers) across Chennai, Manila, and Singapore to deliver production-grade ML solutions aligned with business goals.

• End-to-End Ownership: Drive the full lifecycle of ML solutions—from data exploration, feature engineering, and algorithm selection to deployment and performance monitoring.

• Build scalable data pipelines and model inference workflows (real-time and batch) to integrate predictive solutions into core banking and customer-facing platforms.

• Ensure model governance by adhering to regulatory and compliance standards in financial services environments.

Preferred Experience and Qualification:

• Bachelor’s or master’s Degree in computer science/ Statistics/ Data Science/ Engineering

• 8

  + years of hands-on experience

  in data science, with a focus on applying machine learning in banking or fintech domains

• Strong programming skills in

  Python, SQL

  , and experience with tools such as

  scikit-learn, XGBoost, LightGBM, TensorFlow, or PyTorch

• Experience in building credit risk models for

  Retail Banks, B2C FinTech’s, NBFCs, System Integrators, SaaS-based Banking Platforms

  , or

  Product-led Financial Services companies

  is highly desirable.

• Experience with

  cloud platforms

  (e.g., GCP, AWS, or Azure) and

  ML pipelines

  in production environments

• Familiarity with

  real-time data processing

  and orchestration tools such as

  Kafka, Airflow, or Big Query

Who we are looking for:

As our approach to banking is not ordinary, we need someone who:

• is willing to go the extra mile to achieve success

• embodies our core values: teamwork, honesty, reliability, a sense of humor, and street smarts

• is energetic and lively, bringing enthusiasm to every challenge

• is an innovative and creative thinker who thrives in our unconventional approach to banking

About Tonik:

We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality.

Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv