Head of Credit Intelligence

Job Responsibilities:

• Design and maintain the company's end-to-end AI underwriting architecture.
• Build and deploy borrower risk scoring and Probability of Default (PD) models.
• Lead feature engineering across traditional, behavioral, and alternative data sources.
• Develop risk-based pricing models tied to borrower risk tiers.
• Monitor model performance, detect drift, and drive continuous improvement.
• Partner with Credit Strategy to translate model outputs into lending policies.
• Collaborate with Data Infrastructure to ensure accurate, production-grade model deployment.
• Build underwriting capability across car financing, student loans, and personal loans - with SME lending to follow.

Job Requirements:

• 8-12+ years in credit risk modeling, with proven production deployments.
• Strong ML background - gradient boosting, neural networks, logistic regression.
• Experience with alternative and behavioral data sources for credit decisions.
• Python proficiency and familiarity with ML frameworks (scikit-learn, XGBoost, TensorFlow or similar).
• Track record building models for at least one of: personal loans, auto loans, student loans, BNPL, or SME lending.
• Understanding of model explainability requirements in a regulated environment.

Work Location: In person