Credit Risk Data Science Manager

Lead and manage data science projects, ensuring timely delivery and alignment with business goals. Develop and maintain data models, algorithms, and reporting systems to support data analysis and decision-making. Analyze complex datasets to identify trends, patterns, and insights that drive strategic initiatives. Collaborate with cross-functional teams to understand data needs and provide actionable insights. Ensure data quality and integrity through regular audits and validation processes. Mentor and guide junior data scientists, fostering a culture of continuous learning and improvement. Influence the strategic direction of the BNPL portfolios, utilizing UK market expertise and analytically driven ideas. Work with P&L owners and other stakeholders to analyze, propose and implement robust strategies across the lifecycle of Buy Now Pay Later. Measure the P&L impact of credit strategies to optimize mix of risk and revenue. Share insights with leadership on book quality and provide recommendation on risks and opportunities. Interact with operations teams to provide input in impact of credit strategies on customer communication and collections efforts. Interact with compliance and legal teams to confirm the credit strategies are compliant with applicable regulatory guidelines. 5+ 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. 5+ 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 5 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, Advanced 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