Head Of Data Science & Credit Risk

Jobgether SRL; France; Sur place; EUR 150 000 - 230 000; Plein temps

Avantages offerts par ce poste

Equity participation

Leadership opportunity

Professional growth

Modern technology stack

Résumé du poste

Jobgether SRL in France is seeking 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 and impact, mentoring a team of data scientists and risk analysts.

The role blends technical leadership with responsibility for credit policies, portfolio performance, and responsible lending, working with Engineering, Product, Finance, and executives to translate analytics into

Qualifications

• 10+ years of combined experience in data science, ML and consumer credit risk.
• Proven leadership developing credit policies and portfolios at scale.
• Production ML: building, deploying, and monitoring models in real-time decisioning.
• Experience with experimentation and A/B testing.
• Strong statistical foundations and analytical skills.
• Proficiency in SQL and data exploration, plus cloud platforms.
• Experience with cloud data infrastructure; knowledge of BigQuery is a plus.
• Excellent communication to non-technical stakeholders.
• Startup mindset with ability to adapt in fast-paced env.
• Familiarity with Southeast Asian markets is advantageous.
• MLOps tools like MLflow a plus.
• IFRS 9 and local regulations knowledge beneficial.

Responsabilités

• Lead ML model development for credit decisioning, fraud detection, and risk segmentation.
• Develop underwriting algorithms using alternative data to expand access.
• Build real-time scoring models across markets.
• Ensure models are interpretable, robust, and monitored for drift.
• Establish data science roadmaps aligned with business growth.
• Mentor data scientists and risk analysts.
• Present performance and insights to executives.
• Collaborate with Engineering, Product and Finance to drive outcomes.
• Evaluate partnerships with data providers and credit bureaus.
• Lead stress testing and provisioning with Finance.

Connaissances

Data science

Machine learning

Credit risk

Leadership

Experimentation

SQL

Cloud

MLOps

Communication

IFRS 9

Startup mindset

Regulatory knowledge

Outils

MLflow

Description du poste

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 France.

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.

• 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.