Job Title: Data Engineer 2 Location: DLF Cybercity, Porur, Chennai- India Experience: 4 - 8 Years About the Job : We are looking for an experienced Data Engineer to join our growing data platform team, responsible for designing and implementing scalable, secure, and high-performance data solutions across the organization. In this role, you will work closely with business stakeholders, analysts, data scientists, and engineering teams to build end-to-end data pipelines that power decision-making, analytics, and machine learning initiatives. The ideal candidate will have a strong Data engineering background, should be comfortable working with large datasets, implementing data quality checks, and collaborating with cross-functional teams including Data Scientists, Analysts, Product Managers, and Software Engineers to deliver reliable, secure, and production-grade data solutions. Job Responsibilities: 1. Design and implement scalable, cost-efficient data pipelines that support structured and semi-structured data ingestion (CSV, fixed-width, JSON, etc.), using modern orchestration tools like Apache Airflow / Cloud Composer 2 . Develop robust, reusable data processing workflows leveraging Google Cloud Platform (GCP) services such as Big Query , Dataflow , Cloud Storage , DataProc , and Apache Beam — or equivalent AWS/Azure technologies. 3 . Write clean, high-performance code in Python or Java , and develop optimized SQL queries for transformation, aggregation, and reporting needs. 4. Implement and manage end-to-end automated data pipelines , ensuring data integrity, performance, and monitoring across the entire lifecycle. 5. Implemented E2E automated pipeline to ingest the data from different formats (csv, fixed width, Json etc.) 6. Ensure strong data governance, access control , and security configurations , especially in environments like Big Query , with a focus on secure data sharing and compliance. 7. Communicate effectively with stakeholders and other team members. Preferred Experience and Qualification: 1. Bachelor’s or master’s Degree in computer science/ Statistics/ Data Science/ Engineering 2. Proficiency in at least one programming language, preferably Python or Java , for data pipeline and ETL/ELT development. Strong expertise in SQL , 3 . Proven experience designing and deploying production-grade, scalable, and cost-effective data solutions on at least one major cloud platform ( GCP preferred , AWS or Azure acceptable). 4. Hands-on experience in building Credit risk models for other financial institutions/ Retail/ B2C start-ups/ System Integrator companies/Banking Product is mandatory 5. Above all, the Great who works effectively in a team and communicate proactively is considered a baseline requirement Who we are looking for: 1. Willingness to go the extra mile for success. 2. A talented individual who embodies our company’s core values of teamwork, honesty, reliability, sense of humor and street smart 3. Energetic and lively. 4. As our approach to banking is far from ordinary, we are looking for an innovative and creative individual to join our team. 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
Job Title: Senior Data Scientist Location: DLF Cybercity, Porur, Chennai- India Experience: 8 - 12 Years 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
Job Title : Machine Learning Engineer Location : DLF Cybercity, Porur, Chennai- India Experience : 4- 8 Years About the Job: We are looking for a skilled Machine Learning Engineer with hands-on experience in deploying ML models on scale using Google Cloud Platform (GCP) and Fast API. This is a high-visibility Individual Contributor role responsible for enabling real-time and batch model inference to support critical business functions across Credit Risk, Customer Growth, Marketing, and Operations for our Retail Banking customers. The ideal candidate will have a strong ML engineering background, with proven experience in model deployment, monitoring, ML-Ops, and collaborative solution development with cross-functional teams including Data Scientists, Product Managers, and Software Engineers. Job Responsibilities: 1. The candidate must be able to independently manage his/ her own workstream and effectively collaborate with other regional teams. 2. Own and manage end-to-end ML deployment pipelines, ensuring reliable real-time and batch inference using Fast API and GCP services (Vertex AI, Big Query, Cloud Functions, etc.). 3. Collaborate with cross-functional teams (Data Scientists, Product Managers, Engineers) across Chennai, Manila, and Singapore to deliver production-grade ML solutions aligned with business goals. 4. Design and implement robust, reusable, and well-documented code using Python and SQL, leveraging industry-standard ML libraries like scikit-learn, pandas, NumPy, Spacy, LightGBM, and Cat Boost. 5. Deploy and maintain models across various use cases such as Credit Risk (PD, LGD, Scorecards), Propensity & Response Models, Customer Segmentation Models, Marketing Attribution Models 6. Ensure model governance by adhering to regulatory and compliance standards in financial services environments. Preferred Experience and Qualifications: 1. BS/ MS in Computer Science/ Analytics/ ML/ Mathematics/ Physics/ other Science or Engineering Disciplines. 4-8 years of relevant industry experience preferred. 2. Must have Expert Level proficiency in Python and SQL. certifications in ML, cloud platforms (GCP/AWS), or ML-Ops is a plus. 3. Strong experience with core ML libraries and frameworks (Scikit Learn, NumPy, Pandas, Cat boost spacy etc.) 4. Minimum 3 years’ experience in building Credit risk models for other financial institutions/ Retail/ B2C start-ups/ System Integrator companies/ SaaS-based Banking Platforms/Product based companies would be beneficial. 5. Proven Experience in ML-Ops, Model Governance on GCP is required 6. Above all, I must be a great team player and proactive communicator. This is a Table Stake Criteria!!! Who we are Looking for: 1. Willingness to go the extra mile for success. 2. A talented individual who embodies our company’s core values of teamwork, honesty, reliability, sense of humour and street smart 3. Energetic and lively. 4. As our approach to banking is far from ordinary, we are looking for an innovative and creative individual to join our team. 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