Position Overview
Position Summary
We are seeking an Innovative Credit Scoring (ICS) company or firm to support our ongoing work in developing alternative credit solutions that expand access to finance for low-income women in emerging markets across Southeast Asia.
The selected ICS partner will collaborate with our financial institution partners to design, develop, and pilot alternative data-driven credit scoring models that can improve the creditworthiness assessment of thin-filed women customers.
Roles and Responsibilities
The selected ICS provider will:
- Identify and map data sources
- Conduct a rapid assessment of relevant data sources for women customers
- Internal FSP data (such as payment, e-statement, credit report)
- External data (such as mobile device, tax, multi-platform, utilities, e-commerce)
- Evaluate data relevance, availability, and integration feasibility
- Provide access to alternative datasets and data integration support
- Supply or facilitate access to a wide range of high-quality alternative datasets
- Support data cleaning and preprocessing
- Ensure these datasets can be easily combined with the financial institution’s internal data (through simple data sharing or secure API integration, depending on feasibility)
- Improve overall credit assessment process
- Provide expertise and knowledge on overall risk management practices
- Collaborate with the WWB team and experts to improve credit assessment processes of partner FSPs
- Develop and test the credit scoring model with different approaches (logistical regression, decision trees, and/or AI/machine learning, etc.)
- Conduct data analysis to identify key predictors and patterns relevant to women’s creditworthiness
- Collaborate closely with the partner financial institution’s risk team
- Co-design and train credit scoring models tailored to thin-filed women customers
- Conduct back-testing and validation exercises using pilot data
- Support monitoring and evaluation
- Provide technical expertise during the monitoring phase
- Ensure ongoing data quality and performance monitoring
- Recommend refinements based on pilot outcomes
Required Qualifications
- Proven track record in developing and deploying alternative data-based credit scoring models
- Experience working with financial institutions in Southeast Asian markets
- Demonstrated expertise in data science, machine learning, and risk analytics
- Access to or partnerships with data providers (e.g., telcos, payment providers, e-commerce platforms)
- Familiarity with inclusive finance, gender-lens investing, or women-focused financial products preferred
Preferred Qualifications
Preferred Alternative Data Sources
We are interested in ICS partners who can access or utilize a wide range of data:
- Psychometric data (entrepreneurial traits, risk attitudes, and motivation assessments)
- Device and app usage data (mobile metadata, digital footprints)
- Telco data (such as: mobility, usage patterns, top-ups, call/SMS behavior, or other)
- E-commerce and social commerce data (sales, engagement, delivery frequency)
- Transactional and payments data (mobile money, POS, or wallet transactions)
- Behavioral data (repayment patterns, savings frequency, or network trust signals)
Measure of Success
- Mapping report of relevant alternative datasets for the women’s segment
- Integrated alternative data framework for pilot design
- Develop the Proof of Concept credit scoring model
- Pilot credit scoring model (with documentation and technical notes)
- Model testing and validation report
- Monitoring and refinement report after pilot phase
How to Apply
Applications must include the following:
- Proposal with company profile outlining relevant experience and past projects
- Description of available datasets and technical approach
- Proposed team structure and key personnel
- Timeline and indicative budget
For questions, please contact Ker Thao at kt@womensworldbanking.org
Note: This RFP/RFQ does not guarantee or commit Women’s World Banking to proceeding with the above-described work. Due to the overwhelming responses, not all candidates will be contacted.
Women’s World Banking is an equal opportunity employer for all regardless of race, color, citizenship, religion, sex, sexual orientation, gender identity or expression, age, disability, veteran or reservist status or any other category protected by federal, state, or local law.
Women’s World Banking will be unable to contract with any individual who is US citizen or resident without an LLC or LP or similar structure.
About Women's World Banking
We believe in being a force for the greater good, devoted to accelerating and growing the financial inclusion of women. With rapidly changing markets, influenced by technology and social behavioral expectations, we are embarking on a new chapter to transform the way we design and implement solutions.
For over 40 years, Women’s World Banking has partnered with financial institutions, showing them the benefit of investing in women as customers. We equip these institutions with in-depth research and data driven insights to develop financial products and educational programs. While our clients are financial service providers, our mission is to engage consumers – women who are marginalized by financial systems.
Women’s World Banking and WWB Asset Management is an equal employment opportunity for all regardless of race, color, citizenship, religion, national origin, sex, sexual orientation, gender identity or expression, age, disability, veteran or reservist status or any other category protected by federal, state or local law.
