Data Scientist, Credit Risk
ABOUT KOHO
We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.
At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.
KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.
ABOUT THE ROLE
We're building a world-class financial product and we need someone to help take our data operations to the next level. Our team is growing fast, and we’re looking for a Predictive Modeller to join us. You understand the data-driven decision making needs of a high-growth organization and are focused on concrete outcomes and KPIs. You look for the highest leverage solution to the most important problems, through either pragmatic analysis, a predictive model, or unsupervised learning methods.
WHAT YOU'LL DO
- Design and develop statistical and machine learning models for credit risk parameters (PD, EAD, LGD) across lending products including credit card, line of credit, overdraft, BNPL, etc.
- Execute full model development lifecycle from data exploration and feature engineering through validation and deployment
- Implement advanced modelling techniques including regression, classification, ensemble methods, and deep learning algorithms
- Conduct model...