Head Of Data Science & Credit Risk

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

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Head Of Data Science & Credit Risk based in Austria.

As Head of Data Science & Credit Risk, you will lead the strategy behind ML-powered underwriting and credit risk decisioning across multiple fast-growing markets.
You will own the full lifecycle of risk models, from development and deployment through monitoring, experimentation, and measurable business impact.
The role combines deep technical leadership with responsibility for credit policies, portfolio performance, and responsible lending practices.
You will build and mentor a high-performing team of data scientists and risk analysts while remaining actively involved in complex technical challenges.
Working closely with Engineering, Product, Finance, and executive stakeholders, you will turn advanced analytics into practical decisions that support sustainable growth.
You will help improve approval rates, automate decisioning, identify new customer segments, and strengthen portfolio health through data-driven strategies.
This is a greenfield leadership opportunity in a mission-driven fintech environment focused on expanding fairer and more accessible financial services.

Accountabilities

• ML and model development: Lead the design, testing, deployment, and ongoing improvement of machine learning models for credit decisioning, fraud detection, risk segmentation, customer value, monetization, and marketing attribution.
• Underwriting innovation: Develop underwriting algorithms using alternative data sources to strengthen risk assessment while responsibly expanding access to financial services.
• Real-time decisioning: Build and scale real-time or near-real-time scoring models across multiple markets and products.
• Model governance: Ensure models are interpretable, robust, fair, and reliable, with appropriate monitoring for accuracy, feature stability, performance, and drift.
• MLOps: Establish strong practices for experimentation, model versioning, deployment, monitoring, and production lifecycle management.
• Credit risk strategy: Develop and manage credit risk frameworks, policies, approval strategies, risk thresholds, and customer segmentation approaches adapted to individual markets.
• Portfolio monitoring: Track portfolio and risk metrics, investigate material changes, and establish early-warning indicators for potential deterioration.
• Experimentation: Simulate policy and model changes, lead A/B testing, and use performance data and business KPIs to continuously refine decisioning strategies.
• Stress testing and provisioning: Lead stress testing and expected credit loss modeling while partnering with Finance on provisioning and capital allocation.
• Market expansion: Develop localized risk models and policies that support expansion into new markets while aligning with applicable regulatory requirements.
• Team leadership: Build, lead, coach, and mentor data scientists and risk analysts while remaining hands-on with technical problem-solving and model development.
• Strategic planning: Own the data science and credit risk roadmap, aligning priorities with business growth, product development, and market expansion objectives.
• Executive communication: Present model performance, portfolio trends, analytical insights, and strategic recommendations clearly to executive leadership and board-level stakeholders.
• Cross-functional partnership: Work closely with Engineering, Product, and Finance to translate analytical findings into measurable business outcomes.
• External partnerships: Evaluate and establish relationships with alternative data providers and credit bureaus.
• Business impact: Improve approval rates while maintaining target default rates and responsible lending standards, reduce time-to-decision, strengthen unit economics, and identify new customer and product opportunities.

Requirements:

• Professional experience: 10+ years of combined experience across data science, machine learning, and consumer credit risk, ideally within fintech, digital lending, BNPL, or earned wage access.
• Credit risk leadership: Proven experience developing and managing credit policies and portfolios at scale across multiple products, markets, or both.
• Production ML: Demonstrated success building, deploying, and monitoring production machine learning models within real-time or near-real-time decisioning environments.
• Experimentation: Strong hands-on experience with experimentation and A/B testing to assess the impact of model and policy changes.
• Statistical expertise: Strong mathematical and statistical foundations, combining classical statistical techniques with modern machine learning approaches.
• Data skills: Strong proficiency in SQL and exploratory data analysis, alongside practical experience working with cloud-based data platforms.
• Cloud technology: Experience with cloud data infrastructure is required; familiarity with GCP BigQuery is useful but experience with this specific platform is not mandatory.
• Technical leadership: Experience building and leading technical teams while remaining actively engaged in model development, analytical work, and complex problem-solving.
• Communication: Excellent communication skills, with the ability to explain sophisticated models, risk concepts, and analytical recommendations to non-technical stakeholders.
• Business judgment: Strong commercial understanding and the ability to connect technical and risk decisions with growth, portfolio performance, unit economics, and return on investment.
• Startup mindset: Adaptable, proactive, and comfortable operating in a fast-paced environment where priorities can evolve quickly.
• Regional expertise: Familiarity with Southeast Asian credit markets, credit bureaus, and alternative data sources is an advantage.
• MLOps tools: Experience with MLflow or similar frameworks for production machine learning development and deployment is a plus.
• Regulatory knowledge: Understanding of IFRS 9 and local credit regulations across multiple markets or regions is beneficial.

Benefits:

• Competitive compensation: Salary based on experience and location.
• Equity participation: Opportunity to participate in the company’s equity program.
• Leadership opportunity: Build and shape a growing data science and credit risk function from the ground up.
• Professional growth: Opportunities to expand your leadership, technical expertise, and strategic influence within a rapidly growing organization.
• Modern technology: Work with a modern machine learning stack and cloud-based data infrastructure.
• International scope: Lead data science and credit risk initiatives across multiple markets and support international expansion.
• Meaningful impact: Help develop models and financial services designed to expand responsible access to financial products for underbanked employees.
• Mission-driven environment: Contribute to improving financial well-being through fairer, more accessible financial services.

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