Head of Data Analytics & Science

Roles & Responsibilities Strategic Leadership Define and own BukuWarung 's data strategy across payments, credit, fraud, and merchant growth Embed analytics into GTM planning, channel performance (OTS, Digital, Partnerships), and executive decision-making Be a credible partner to the management team & business heads - translating data into capital allocation and product prioritization decisions Drive BukuWarung 's roadmap toward a unified data infrastructure that consolidates all distribution channels and operations into a single internal system Credit Underwriting & BukuModal Build proprietary MSME credit scoring models leveraging BukuWarung 's payments transaction data, device usage patterns, merchant behavioral signals, and external alternative data sources Develop thin-file and no-file underwriting approaches suited to Indonesia's informal merchant economy Partner with BukuModal's lending team to define risk appetite, portfolio monitoring, and early warning systems for credit deterioration Build models that improve approval rates while managing NPL - demonstrating that financial inclusion and credit discipline are not in tension Fraud, Risk & Trust Design a near-real-time fraud detection engine across BukuWarung 's payments channels: covering EDC/POS, QRIS soundboxes, and digital payment flows Build risk models for merchant onboarding, transaction monitoring, and dispute resolution Define intervention logic: when to flag, step up, block, or escalate - tune