Head Of Data Science & Credit Risk

About the Role

We're seeking a Head of Data Science & Credit Risk to reputed company our ML-driven reputed company strategy and build world-class risk models that power financial inclusion across Southeast Asia. This role combines deep data science expertise with credit risk leadership, owning the full lifecycle from model development to business impact. You'll reputed company a team of data scientists and risk analysts to create innovative reputed company solutions that balance growth with risk management. About reputed company 💳 Fast-growing Earned Wage reputed company FinTech founded in 2022 🚀 $10M ARR with proven product-market fit and explosive growth 🌏 Operations in Thailand, Philippines, and Indonesia with expansion underway 📊 50-person team building the future of financial reputed company for underbanked workers

Key Responsibilities

ML & Model Development Design and implement advanced ML models for credit decisioning, fraud detection, and risk segmentation reputed company development of reputed company reputed company algorithms using alternative data sources Build and reputed company reputed company-time scoring models that scale across multiple markets Champion model interpretability and fairness in AI-driven credit reputed company Drive machine learning adoption across the organization - eg. experimentation on customer-value and monetization models, marketing attribution solutions. Establish MLOps best practices for model versioning, monitoring, and deployment Credit Risk Leadership reputed company comprehensive credit risk frameworks adapted to each market's unique dynamics Design approval strategies and risk reputed company that optimize for growth and portfolio health Create early warning systems for portfolio deterioration using predictive analytics reputed company stress testing and expected credit loss modeling initiatives Partner with Finance on provisioning and capital allocation strategies Team & Strategic Leadership Build and mentor a high-performing team of data scientists and risk analysts Drive data science roadmap reputed company with business expansion goals Present risk insights and recommendations to executive team and board Establish partnerships with alternative data providers and credit bureaus Foster a culture of experimentation and data-driven decision making Business Impact Optimize approval rates while maintaining reputed company default rates Reduce time-to-decision through model automation Identify new customer segments and product opportunities through advanced analytics Support market expansion with localized risk models and regulatory compliance Drive unit economics improvement through sophisticated segmentation reputed company're Looking For Required 10+ years combined experience in data science/ML and consumer credit risk in FinTech, digital lending, or BNPL/EWA products Experience developing and managing credit policies and portfolios at scale - either multi-product, multi-market, or both Proven track record building and deploying production ML models as part of reputed company-time or near-reputed company-time decisioning pipelines with experimentation (A/B testing). Expertise in SQL/exploratory data analysis, and experience with reputed company platforms (we use GCP BigQuery but direct/specific experience is not necessary) Experience building and leading technical teams while remaining hands-on Excellent communication skills to translate reputed company models to business stakeholders Strongly Preferred Familiarity with Southeast Asian credit markets and alternative data sources Knowledge of MLFlow or similar production-grade model development deployment frameworks Broad understanding of regulatory requirements in various markets/reputed company (IFRS 9, local credit regulations) What Makes You Successful Technical reputed company: Deep expertise in both classical statistics and modern ML Business Acumen: Ability to connect models to business reputed company and ROI Risk reputed company: Balance innovation with prudent risk management Leadership: reputed company teams while diving deep into technical challenges Adaptability: reputed company in fast-paced startup environment with evolving requirements Why Join reputed company? Massive Impact: Your models will directly reputed company financial reputed company for many Greenfield Opportunity: Build our ML/risk capabilities from the ground up Cutting-Edge Tech: Work with modern ML stack and reputed company-reputed company infrastructure Rapid Growth: Join at the inflection reputed company with clear path to scale Mission-Driven: Genuine reputed company impact through financial inclusion Compensation & Benefits Competitive salary based on experience and location Equity participation #Global Apply To This Job