Spain-Based Credit Risk & Pricing Data Science Manager

Moniepoint, BRM; España; Híbrido; EUR 90.000 - 130.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Financial inclusion impact

Innovative projects

Diverse environment

Flexible work arrangements

Continuous learning

Performance bonuses

Health insurance

Pension plans

Descripción de la vacante

Moniepoint in Spain is seeking a hands-on Data Science Manager to lead our consumer credit data science efforts in a high-growth environment. This role owns pricing, credit limit modelling, and deployment of production credit models, with impact on millions of customers.

You will partner with Consumer Credit, Product, and Engineering to shape risk assessment, pricing, and product design, building analytics foundations for underwriting, acquisition, retention, and portfolio performance.

Formación

• Degree in a quantitative field (Statistics, Mathematics, Engineering or similar).
• 5+ years of experience in data science, decision science, or risk analytics with at least 2+ years in management.
• Working knowledge of credit risk, consumer lending, and regulatory considerations.
• Proficiency in SQL and 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.

Responsabilidades

• 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.

Conocimientos

Data science

Management

Credit risk

SQL

Python

R

A/B testing

Machine learning

Collections modelling

Churn management

Communication

Ownership

Cross-functional collaboration

Educación

Statistics/Mathematics/Engineering or similar

Descripción del empleo

Moniepoint in Spain is seeking a hands-on Data Science Manager to lead our consumer credit data science efforts in a high-growth environment. This role owns pricing, credit limit modelling, and deployment of production credit models, with impact on millions of customers.

You will partner with Consumer Credit, Product, and Engineering to shape risk assessment, pricing, and product design, building analytics foundations for underwriting, acquisition, retention, and portfolio performance.