Head of Data Science, Credit Risk

🔥 33 minutes ago

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FINN

WebsiteLinkedInAll Job Openings

51 - 200 employees

💳 Fintech

👥 B2C

👥 HR Tech

Fintech • B2C • HR Tech

FINN is a Thailand-based financial wellness app and employee-benefit platform operated by EWA Services Co. Ltd. FINN helps users manage money with features such as instant financial health checks, spending insights and visualizations, and an instant clarity score. It provides earned-wage access (early salary access) with no interest or fees, a part-time job marketplace and free upskilling courses (in partnership with the Ministry of Labour), and optional personal accident insurance via Thaivivat for members. The service emphasizes data security (256-bit encryption) and is certified by the Board of Investment Thailand.

📋 Description

• Design and implement advanced ML models for credit decisioning, fraud detection, and risk segmentation • Lead development of next-generation underwriting algorithms using alternative data sources • Build and deploy real-time scoring models that scale across multiple markets • Champion model interpretability and fairness in AI-driven credit decisions • Drive machine learning adoption across the organization - eg. experimentation on customer-value and monetization models, marketing attribution solutions. • Establish MLOps best practices for model versioning, monitoring, and deployment • Develop comprehensive credit risk frameworks adapted to each market's unique dynamics • Design approval strategies and risk thresholds that optimize for growth and portfolio health • Create early warning systems for portfolio deterioration using predictive analytics • Lead stress testing and expected credit loss modeling initiatives • Partner with Finance on provisioning and capital allocation strategies • Build and mentor a high-performing team of data scientists and risk analysts • Drive data science roadmap aligned with business expansion goals • Present risk insights and recommendations to executive team and board • Establish partnerships with alternative data providers and credit bureaus • Foster a culture of experimentation and data-driven decision making • Optimize approval rates while maintaining target default rates • Reduce time-to-decision through model automation • Identify new customer segments and product opportunities through advanced analytics • Support market expansion with localized risk models and regulatory compliance • Drive unit economics improvement through sophisticated segmentation

🎯 Requirements

• 10+ years combined experience in data science/ML and consumer credit risk in FinTech, digital lending, or BNPL/EWA products • Experience developing and managing credit policies and portfolios at scale - either multi-product, multi-market, or both • Proven track record building and deploying production ML models as part of real-time or near-real-time decisioning pipelines with experimentation (A/B testing). • Expertise in SQL/exploratory data analysis, and experience with cloud platforms (we use GCP BigQuery but direct/specific experience is not necessary) • Experience building and leading technical teams while remaining hands-on • Excellent communication skills to translate complex models to business stakeholders. • Familiarity with Southeast Asian credit markets and alternative data sources • Knowledge of MLFlow or similar production-grade model development deployment frameworks • Broad understanding of regulatory requirements in various markets/regions (IFRS 9, local credit regulations)

🏖️ Benefits

• Competitive salary based on experience and location • Equity participation