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Senior Data Scientist, Credit Modeling
- 給与
- 記載なし
- 勤務地
- 記載なし
- 休日
- Every Sat/Sun/National holidays (In Japan)/New Year's break/Company-designated Special days
- 雇用形態
- 正社員
どんな仕事かAIによる生成
As a Senior Data Scientist in PayPay Credit Modeling, this role leads modeling initiatives to improve credit risk and financial decisions, from problem framing through model development, evaluation, and impact assessment. It works closely with product, risk, data engineering, and machine learning engineering teams to bring reliable, scalable solutions into production. The role also shapes technical direction, mentors colleagues, and influences decisions across PayPay.
この求人に応募
応募資格
必須
- Bachelor’s Degree in a quantitative field such as Computer Science, Mathematics, Statistics, Operations Research, Machine Learning or equivalent. An advanced degree is a plus.
- Substantial professional experience in data science or applied machine learning, typically six years or more, with evidence of leading consequential modeling work from problem definition through production use and impact assessment.
Core data science skills:**
- Strong knowledge of statistical modeling, supervised learning, feature engineering, and model interpretation; sound judgment on when a simpler method is sufficient.
- Practical experience with validation and experimentation, including time-aware evaluation, calibration, bias or selection effects, and monitoring after deployment.
- Ability to work independently with large, imperfect datasets and distinguish a useful signal from leakage or artifacts.
Financial and decision skills:**
- Ability to connect model outputs with financial and customer outcomes, and explain the trade-offs in a decision or policy.
- Ability to form a recommendation when evidence is incomplete, state its limits, and identify what would change the conclusion.
Core technical skills:**
- Strong hands-on Python and SQL skills for model development, data analysis, and reproducible work.
- Experience using common statistical and machine learning libraries such as scikit-learn or XGBoost.
- Experience working with large-scale data platforms or distributed data processing to develop features, train models, and evaluate results.
- Experience building reproducible analysis and model workflows, collaborating with engineering teams on deployment, and evaluating models after release.
- Experience building point-in-time features and reproducible model workflows, and working with engineering colleagues to deploy, monitor, and improve models in production.
歓迎
- Experience in lending, banking, payments, or another financial decision domain. Credit risk and portfolio economics experience is especially valuable.
- Experience applying models to financial decisions, credit strategy, or portfolio optimization.
- Experience with causal inference, treatment effects, decision policy evaluation, or controlled experiments.
- Hands-on experience with Databricks, Spark, BigQuery, or Amazon Redshift; experience with streaming tools such as Kafka or Amazon Kinesis is a plus.
求める人物像
- Take ownership of ambiguous questions and bring structure to the work needed to answer them.
- Challenge assumptions constructively and revise your view when the evidence changes.
- Balance speed with rigor, explainability, and the ability to maintain what you build.
- Communicate trade-offs and decisions clearly to partners with different expertise and priorities.
募集要項最終確認 10/26
- 職種
- データサイエンティスト
- 雇用形態
- Full Time
- 役職
- Senior Data Scientist
- 給与
- 記載なし
- 給与の詳細
- Annual salary paid in 12 installments (monthly)Based on skills, experience, and abilitiesReviewed once a yearLate overtime allowance※Payroll payment can be changed to digital salary payment “PayPay Paycheck” for an amount set by you
- 手当
- Late overtime allowance
- 勤務地
- 記載なし
- 働き方
- HybridHybrid WorkstyleYou will be expected to work in the office, in alignment with organizational guidelines and team objectives.
- 勤務時間
- Super Flex Time (No Core Time)In principle, 9:00am-5:45pm (actual working hours: 7h45m + 1h break)
- 休日・休暇
- Every Sat/Sun/National holidays (In Japan)/New Year's break/Company-designated Special daysAnnual leave (up to 14 days in the first year, granted proportionally according to the month of employment. Can be used from the date of hire)Personal leave (5 days each year, granted proportionally according to the month of employment)＊PayPay's own special paid leave system, which can be used to attend to illnesses, injuries, hospital visits, etc., of the employee, family members, pets, etc...
- 福利厚生
- 401KTranslation/Interpretation supportVISA sponsor + Relocation support
- 社会保険
- Social Insurance (health insurance, employee pension, employment insurance and compensation insurance)
- 経験年数
- 6年以上
- 学歴
- 大学卒業以上
- 掲載日
- 2026/10/20 18:42（7日前）
- 最終確認
- 2026/10/26 20:15（1日前）
仕事内容
Job Description
- As a Senior Data Scientist in PayPay Credit Modeling, you will lead work that improves credit risk and financial decisions.
- You will lead modeling initiatives from identifying opportunities and framing ambiguous business problems through developing models, designing credible evaluations, and assessing real-world impact. You will collaborate closely with product, risk, data engineering, and machine learning engineering teams to translate research into reliable, scalable solutions.
- This is a role with scope to shape the technical direction of modeling and analysis, coach colleagues, and influence decisions across PayPay.
Responsibilities
- Own the scientific approach to modeling work, from defining the decision and expected value through baselines, validation, and a clear recommendation.
- Develop and evaluate models and features using large, varied datasets. Choose methods that fit the problem and can be explained, validated, and maintained.
- Set evaluation standards for how models will be used. Challenge assumptions, detect leakage and selection bias, account for delayed outcomes, and use appropriate baselines, time-aware tests, and calibration to judge whether results are reliable.
- Estimate likely effects on revenue, credit losses, exposure, portfolio quality, and customer outcomes. Make assumptions and uncertainty clear.
- Guide promising models through production with data and machine learning engineers. Define model and feature requirements, validate deployed behavior, monitor performance and outcomes, and recommend changes based on evidence.
- Communicate findings and trade-offs to technical and non-technical stakeholders, and help teams decide whether to proceed, change course, or stop.
- Lead technical discussions, critically review modeling approaches, mentor other data scientists, and establish reusable practices that improve the team's work.
この求人は、PayPay株式会社の採用ページの内容をAIが読み取って整理したものです。応募の前に採用ページの原文を確かめてください。データの集め方企業サイト
募集元の採用ページから応募できます
応募はPayPay株式会社の採用ページで受け付けています。このページは採用ページの掲載内容をもとに構成しているため、最新の応募条件は募集元でご確認ください。
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応募資格の語から探す
- データサイエンティスト293
- 機械学習エンジニア256
- 機械学習1,878
- Python5,403
- SQL2,761
- scikit-learn96
- データ基盤1,195
- MLOps394
- 数理最適化161
- Databricks366
- Apache Spark135
- BigQuery1,176
- Amazon Redshift274
- Apache Kafka145
- Amazon Kinesis52
この職種で探す
- データサイエンティスト293
- テック15,283
- AIエンジニア460
- データエンジニア439
- データアナリスト283