Head Of Data Science & Credit Risk

FINN is a rapidly growing fintech company dedicated to improving financial well-being for underbanked employees through transparent and accessible products. We are seeking a Head of Data Science & Credit Risk to lead our ML-driven underwriting strategy and strengthen risk decisioning as we expand our global footprint.

Key responsibilities

• Lead the design, testing, and deployment of ML models for credit decisioning, fraud detection, and risk segmentation.
• Develop and manage credit risk frameworks, policies, and approval strategies adapted to each market.
• Build, lead, and mentor a team of data scientists and risk analysts while remaining hands-on with technical work.
• Improve approval rates while maintaining target default rates and responsible lending standards.
• Establish MLOps practices for model versioning, experimentation, deployment, and ongoing monitoring.

Requirements

• At least 10 years of combined experience in data science, machine learning, and consumer credit risk within fintech or digital lending.
• Proven track record of building, deploying, and monitoring production ML models within real-time decisioning pipelines.
• Strong statistical and mathematical skills, with expertise in both classical methods and modern machine learning.
• Experience building and leading technical teams while remaining actively involved in model development.
• Strong communication skills with the ability to explain complex models to business stakeholders.

What we offer

• Equity participation in a fast-growing fintech company.
• Opportunities to learn, grow, and shape a core data science and credit risk function.
• The chance to redefine financial services for underbanked employees globally.