Sr Data Scientist BNPL Geo-Expansion

Lead the development and implementation of advanced data science models. Collaborate with stakeholders to understand requirements. Drive best practices in data science. Ensure data quality and integrity in all processes. Mentor and guide junior data scientists. Stay updated with the latest trends in data science. Work with P&L owners and other stakeholders to analyze, propose and implement robust strategies to support global expansion across the lifecycle of Buy Now Pay Later. Measure the P&L impact of credit strategies to optimize mix of risk and revenue, and support the production of business cases. Share insights with leadership on book quality and provide recommendation on risks and opportunities. Work with local compliance and legal teams to take into account local regulations for any new expansions. 3+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience. Proven experience in credit risk management is a must, along with in-depth market knowledge of credit performance, data providers, credit and behavioral scoring and industry best practices. Minimum 4 years' experience in credit and/or Fraud risk management and underwriting in consumer credit products (e.g. Credit cards, instalment loans or other revolving credit products), preferably with a fintech background. Strong written, oral, and interpersonal skills a must including the ability to explain / present technical business flows. Experience with credit bureaus and other sources of consumer data. Typically requires a minimum of 4 years of related experience with a Bachelor's degree; or 3 years and a Master's degree; or a PhD without experience; or equivalent work experience. Experience with analytics and data mining tools, such as SQL, Python, Advance Excel, Tableau. Proven ability to influence, work collaboratively, build and maintain relationships throughout the organization. Must have good judgment with the demonstrated ability to think creatively and strategically