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Data Scientist (Fintech / AI / Machine Learning) Location: Tokyo Salary: ¥7,000,000 – ¥10,000,000 Work Style: Full Remote About the Company A fast-growing fintech company providing corporate credit card SaaS designed for startups and high-growth businesses. The mission is to build a global financial platform that empowers challengers. The product leverages a proprietary machine learning-based credit model, offering high usage limits and advanced features such as real-time payment tracking, virtual cards, accounting integrations, and customizable controls. Since launching in 2020, the platform has scaled to thousands of companies with a 99% retention rate. A strategic partnership with a major credit card provider has further expanded adoption. What You’ll Do Core Responsibilities • Analyze business challenges and design data-driven solutions using machine learning • Build and improve models through preprocessing, feature engineering, training, and evaluation • Monitor and optimize model performance in production • Visualize and communicate insights to business stakeholders • Collaborate with product and business teams to drive decision-making Focus Area: Credit Modeling • Improve proprietary credit risk models that directly impact business profitability • Design features and collect data aligned with business needs • Support automation and systemization of financial decision-making Future Initiatives • Fraud detection systems • AI-driven financial recommendations per company • AI chatbot integrations Why This Role • Direct impact on core financial product and revenue • Opportunity to work on proprietary credit models in fintech • Strong collaboration with business and product teams • Fully remote environment with high ownership Tech Stack • Languages: Python , TypeScript • ML: scikit-learn, LightGBM, pandas, NumPy • Cloud: GCP, BigQuery • Backend : FastAPI, Next.js Backend : FastAPI, • Data: dbt, Dataform • Visualization: Metabase, Redash • Tools: Docker, GitHub, Slack, Terraform, Cursor, Claude Code Requirements Must Have • Experience building machine learning models using Python • Experience designing and operating AI solutions for business impact • Hands-on experience with AI coding tools such as Claude Code, Codex, or Devin • Advanced Japanese (able to work with stakeholders) Nice to Have • Experience in credit risk or fraud detection • Background in fintech or financial institutions • Experience leading projects or teams • Knowledge of generative AI or LLMs Ideal Candidate • Aligns with the mission of empowering businesses through financial technology • Proactively suggests improvements with a user-first mindset • Focuses on delivering real value, not just building models • Works collaboratively across teams • Supports and contributes to team success Benefits • Full remote work • Flexible working hours • Social insurance coverage • Transportation support (as per policy) • Holidays: weekends, national holidays, seasonal breaks We still have more positions available across different roles. If this isn’t the perfect fit, explore our other openings and feel free to apply! Job ID: 05026