Chief Data Science & Credit Risk Leader

Jobgether; Österreich; Vor Ort; EUR 150.000 - 190.000; Vollzeit

Benefits dieser Stelle

Equity program

Leadership opportunity

Career growth

Modern technology

International scope

Meaningful impact

Competitive compensation

Zusammenfassung

Jobgether in Austria seeks a Head of Data Science & Credit Risk to lead ML-powered underwriting and risk decisioning across markets. You will own the full lifecycle of risk models, from development to monitoring, while building and mentoring a high-performing data science and risk team.

You will partner with Engineering, Product, Finance, and executives to translate analytics into actionable decisions that improve approvals, expand fair access, and strengthen portfolio health across regions.

Qualifikationen

• 10+ years in data science, ML, and consumer credit risk, fintech preferred.
• Proven experience leading credit policies and portfolios at scale across markets.
• Production ML experience in real-time decisioning environments.
• Strong experimentation and A/B testing.
• Strong statistical foundations with modern ML approaches.
• Proficiency in SQL and cloud data platforms.
• IFRS 9 knowledge or local regulations beneficial.
• Excellent communication with non-technical stakeholders.
• Startup mindset with regional market familiarity.

Aufgaben

• Lead ML model design, testing, deployment and monitoring for credit decisioning, fraud detection, risk segmentation, and monetization.
• Develop underwriting algorithms using alternative data sources to expand access responsibly.
• Build real-time scoring models across multiple markets and products.
• Ensure model governance, fairness, and drift monitoring across lifecycle.
• Establish MLOps practices for experimentation, versioning, deployment and monitoring.
• Develop credit risk frameworks, policies, and segmentation approaches by market.
• Monitor portfolio metrics, investigate material changes, and set early-warning indicators.
• Lead A/B tests and experimentations to refine decisioning strategies.
• Collaborate with Engineering, Product and Finance to translate analytics into business outcomes.
• Establish relationships with data providers and bureaus.
• Improve approval rates while managing default targets and ROI.

Kenntnisse

Data science leadership

Credit risk leadership

ML production

Experimentation

Statistics

SQL & analytics

Cloud platforms

Communication

Business judgment

Startup mindset

Regional expertise

MLOps tools

IFRS 9 knowledge

Ausbildung

Bachelor's/Master's in a quantitative field

Tools

MLflow

BigQuery

Cloud platforms

Jobbeschreibung

Jobgether in Austria seeks a Head of Data Science & Credit Risk to lead ML-powered underwriting and risk decisioning across markets. You will own the full lifecycle of risk models, from development to monitoring, while building and mentoring a high-performing data science and risk team.

You will partner with Engineering, Product, Finance, and executives to translate analytics into actionable decisions that improve approvals, expand fair access, and strengthen portfolio health across regions.