Data Science Manager (Credit)

Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar) +5 years of experience in data science, decision science, or risk analytics within financial services +2 years in management Working knowledge of credit risk, consumer lending, and regulatory considerations Proficiency in SQL and at least one modeling/programming language (Python, R) Experience with A/B testing, machine learning, collections modeling, and churn management Ability to translate complex analyses into clear recommendations for business stakeholders High ownership mindset and comfort working in fast-paced, cross-functional teams

Develop credit scoring, affordability, and behavioral models Design and run experiments to optimize approval rates, loss rates, and profitability Partner with product squads to embed decision logic into real-time systems Ensure data quality, compliance, and ethical use of models Mentor product squads on best practices in experimentation and data-driven decision making Provide models to optimize outcomes in collections, churn management, and user retention