Data Scientist

Ngern Hai Jai Co., Ltd. (a financial services subsidiary of Kasikornbank Public Company Limited) operates in the lending business, offering loans with vehicle registration as collateral (commonly known as title loans) and hire purchase loans (with vehicle registration transfer). The company provides its products and services through Kasikornbank branches nationwide, online channels, and business partners. You can find more information about the company at

We are currently looking for a Data Scientist to join our team, with the following roles and responsibilities:

• Ability to use SQL for data preparation and Python for predictive modeling and data exploration
• Train predictive models related to auto title loan approval, such as car depreciation models and loan-to-car-value optimization based on risk assessment. This includes working with data from loan applications, credit bureau, vehicle information, and alternative data such as mobile banking and location data. A solid understanding of the auto loan business process is required.
• Build risk models to assess potential bad debt and future losses using data and behavioral patterns of current customers.
• Develop collection models to guide debt collection strategies—determining how often and in what ways to follow up with customers in different segments.
• Build propensity models to identify potential customers who are likely to need auto title loans, helping to optimize marketing budget allocation and targeting.

• Bachelor's degree in Data Science, Information Technology, Statistics, Computer Science, Computer Engineering, or related fields.
• Proficiency in data science tools such as SQL and Python
• Strong communication skills and the ability to convey complex concepts clearly and effectively