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Head of Data Science and Credit Risk
לא צויןמשרה מלאהData ScienceFinancial Services
Lead the data science and credit risk function for a fintech business expanding responsible access to financial services. Own ML-powered underwriting, credit decisioning, model governance, portfolio performance, and the roadmap across multiple markets. Build and mentor data scientists and risk teams
תחומי אחריות
- Lead machine learning model development for credit decisioning, fraud detection, risk segmentation, customer value, monetization, and marketing attribution
- Develop underwriting algorithms using alternative data and scale real-time or near-real-time scoring across markets
- Own model governance, interpretability, fairness, reliability, monitoring, versioning, deployment, and lifecycle management
- Develop credit risk frameworks, policies, approval strategies, thresholds, and market-specific segmentation
- Monitor portfolio performance, investigate changes, and establish early-warning indicators
- Lead policy simulations, A/B tests, stress testing, and expected credit loss modeling
- Partner with Finance on provisioning and capital allocation
- Create localized models and policies supporting market expansion and regulatory alignment
- Build, coach, and mentor data scientists and risk analysts while contributing to technical problem-solving
- Own the data science and credit risk roadmap and communicate performance and recommendations to executives and board-level stakeholders
- Partner with Engineering, Product, and Finance to turn analytics into measurable business outcomes
- Evaluate relationships with alternative data providers and credit bureaus
דרישות
- 10+ years of combined experience in data science, machine learning, and consumer credit risk
- Experience developing and managing credit policies and portfolios across products or markets
- Proven success building, deploying, and monitoring production ML models in real-time or near-real-time environments
- Hands-on experience with experimentation and A/B testing
- Strong mathematical, statistical, SQL, and exploratory data analysis skills
- Experience with cloud-based data platforms; BigQuery familiarity is useful but not required
- Experience building and leading technical teams while remaining hands-on
- Ability to explain complex models and risk concepts to non-technical stakeholders
- Strong commercial judgment connecting technical decisions with growth, portfolio performance, unit economics, and ROI
- Adaptability in a fast-paced environment with changing priorities
יתרון
- Experience with Southeast Asian credit markets, credit bureaus, or alternative data
- Familiarity with MLflow or comparable MLOps frameworks
- Knowledge of IFRS 9 and local credit regulations
הטבות
- Competitive compensation based on experience and location
- Equity participation
- Leadership opportunity to build a function from the ground up
- Professional and technical growth opportunities
- Modern machine learning and cloud data infrastructure
- International scope across multiple markets
- Mission-driven work focused on responsible financial access