Data Science Manager (Credit)
M
MoniepointFintech
Remote, SpainFull-TimeManager
SalaryCompetitive salary, individual performance bonuses, and firmwide performance bonus
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Job Details
- Experience
- +5 years of experience in data science, decision science, or risk analytics within financial services, including +2 years in managerment
- Required Skills
- PythonSQLMachine LearningData scienceA/B testingR
Requirements
- 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 of management experience
- Working knowledge of credit risk, consumer lending, and regulatory considerations
- Proficiency in SQL
- Proficiency in at least one modelling/programming language (Python, R)
- Experience with A/B testing, machine learning, collections modelling 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
Responsibilities
- Develop credit scoring, affordability, and behavioural models to support underwriting, pricing, and collections
- Design and run experiments to optimise 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 across all decisioning processes
- Mentor product squads on best practices in experimentation and data-driven decision making
- Provide models to optimise outcomes in collections, churn management and user retention
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