Senior Data Scientist, Credit Risk & AI (Hybrid)

Pepper Money Limited; New South Wales; Híbrido; AUD 150.000 - 190.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Development opportunities

Spice Reward and Recognition Program

Hybrid working model

Parental leave policies

Novated leasing

Staff loan rates

Referral bonus

Free gym membership

Discounted health insurance

Descripción de la vacante

Pepper Money is seeking a Senior Data Scientist to join its Data, Analytics & AI team in NSW. You will develop and enhance credit risk models, scorecards and predictive analytics, delivering portfolio insights and informing ECL IFRS 9 forecasting.

You will collaborate with Credit Risk, Finance, Product and Technology, translating complex analyses into actionable business recommendations and contributing to governance and model improvement initiatives.

Formación

• Degree qualified in Statistics, Mathematics, Actuarial Studies, Data Science, Finance or a related discipline.
• Experience in data science, credit risk modelling, portfolio analytics or financial services analytics.
• Strong capability with SQL and analytical tools such as Python, R or SAS.
• Experience developing, monitoring and improving predictive models or scorecards.
• Exposure to ECL, IFRS 9, PD, LGD or related credit risk methodologies is highly regarded.
• Strong stakeholder engagement and communication skills.
• Ability to translate complex analysis into actionable business insights.
• A proactive mindset with a focus on continuous improvement and quality outcomes.

Responsabilidades

• Develop and enhance credit risk, scorecard and predictive analytical models.
• Deliver portfolio performance insights and recommendations to stakeholders.
• Support ECL and IFRS 9 modelling, forecasting and provisioning analysis.
• Monitor model performance and identify opportunities for optimisation.
• Partner with Credit Risk, Finance, Product and Technology teams on key initiatives.
• Translate complex analytical findings into practical business recommendations.
• Contribute to model governance, validation and continuous improvement activities.

Conocimientos

SQL

Python

R

SAS

Predictive modelling

Credit risk methods

Stakeholder management

Communication of insights

Continuous improvement

Educación

Statistics

Mathematics

Actuarial Studies

Data Science

Finance

Herramientas

SQL

Python

R

SAS

Descripción del empleo

Pepper Money is seeking a Senior Data Scientist to join its Data, Analytics & AI team in NSW. You will develop and enhance credit risk models, scorecards and predictive analytics, delivering portfolio insights and informing ECL IFRS 9 forecasting.

You will collaborate with Credit Risk, Finance, Product and Technology, translating complex analyses into actionable business recommendations and contributing to governance and model improvement initiatives.