Head of Data Science, Credit Risk

🕒 July 28

🇺🇸 United States – Remote

⏰ Full Time

🔴 Lead

📊 Data Scientist

👻 Ghost score 59%

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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

• Lead the design, testing, and deployment of ML models for credit decisioning, fraud detection, and risk segmentation • Develop underwriting algorithms using alternative data sources • Build and deploy real-time or near-real-time scoring models across multiple markets • Ensure models are interpretable, fair, robust, and monitored for accuracy, feature stability, and drift • Establish MLOps practices for model versioning, experimentation, deployment, and monitoring • Expand machine learning adoption across customer value, monetization, and marketing attribution • Develop and manage credit risk frameworks, policies, and approval strategies for each market • Set risk thresholds and customer segmentation strategies balancing growth, default rates, and portfolio health • Monitor risk metrics, investigate changes, and establish early warning signals • Simulate policy and model changes, support A/B testing, and refine strategies using performance data and business KPIs • Lead stress testing and expected credit loss modeling with Finance • Support market expansion through localized risk models and policies aligned with regulatory requirements • Build, lead, and mentor data scientists and risk analysts while remaining hands-on technically • Own the data science and credit risk roadmap • Communicate model performance, portfolio trends, and recommendations to the executive team and board • Partner with engineering, product, and finance to translate analytical insights into business outcomes • Evaluate and establish partnerships with alternative data providers and credit bureaus • Build a culture of experimentation, accountability, and data-driven decision-making • Improve approval rates while maintaining target default rates and responsible lending standards • Reduce time-to-decision through automated underwriting and scoring • Identify customer segments and product opportunities through advanced analytics • Improve unit economics through risk segmentation and customer value modeling • Track model and policy change impact using feedback loops

🎯 Requirements

• At least 10 years of combined experience in data science, machine learning, and consumer credit risk within fintech, digital lending, BNPL, or earned wage access • Experience developing and managing credit policies and portfolios at scale across multiple products, markets, or both • Proven track record of building, deploying, and monitoring production ML models within real-time or near-real-time decisioning pipelines • Hands-on experience with experimentation and A/B testing to evaluate model and policy changes • Strong statistical and mathematical skills, with expertise in both classical statistical methods and modern machine learning • Strong working knowledge of SQL and exploratory data analysis, alongside experience with cloud data platforms • Experience building and leading technical teams while remaining actively involved in model development and problem-solving • Strong communication skills, with the ability to explain complex models and credit risk concepts clearly to business stakeholders • Sound business judgment and ability to connect technical decisions to growth, portfolio performance, and return on investment • Adaptable, proactive approach to working in a fast-paced startup environment • Familiarity with Southeast Asian credit markets, credit bureaus, and alternative data sources (bonus) • Experience with MLflow or similar frameworks (bonus) • Understanding of IFRS 9 and local credit regulations (bonus)

🏖️ Benefits

• A competitive salary based on experience and location • Equity participation • Opportunities to learn, grow, and shape a growing data science and credit risk function • The opportunity to help redefine financial services for underbanked employees • Modern ML stack and cloud infrastructure • Meaningful work expanding financial access for underbanked employees • Greenfield opportunity to shape ML and risk capabilities from the ground up • Opportunity to lead a core function as FINN scales into new markets • Mission-driven work improving financial well-being through fairer, more accessible financial services