Head Of Data Science & Credit Risk

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Head of Data Science & Credit Risk based in United Arab Emirates.This is a high-impact leadership role at the intersection of machine learning, credit risk, and financial inclusion, where you will define and scale the core decisioning systems that power lending across multiple Southeast Asian markets. You will own the end-to-end credit intelligence strategy, from model development and deployment to portfolio performance and business outcomes. In this role, you will lead a multidisciplinary team of data scientists and risk analysts, building advanced ML-driven underwriting systems that balance growth, profitability, and risk discipline. You will operate as a key strategic partner to senior leadership, shaping credit policy, risk appetite, and expansion strategy. The environment is fast-paced, data-driven, and mission-oriented, with strong emphasis on experimentation, scalability, and real-world impact. This is a unique opportunity to build credit risk and machine learning capabilities from the ground up in a rapidly scaling fintech.AccountabilitiesDefine and lead the end-to-end data science and credit risk strategy, including underwriting models, portfolio risk frameworks, and decisioning systems.Design and deploy advanced machine learning models for credit scoring, fraud detection, segmentation, and customer value optimization.Build real-time and near-real-time decisioning pipelines supporting scalable credit underwriting across multiple markets.Develop and continuously improve credit risk policies, approval strategies, and risk thresholds aligned with business growth and portfolio health.Establish MLOps standards for model deployment, monitoring, versioning, and performance tracking in production environments.Lead portfolio risk analytics, including stress testing, expected credit loss modeling, and early warning systems for deterioration.Partner with finance, product, and operations teams to optimize unit economics, provisioning strategies, and capital allocation.Translate complex analytical outputs into clear, actionable insights for executive leadership and board-level discussions.Drive experimentation culture, including A/B testing frameworks and data-driven product optimization.Build and scale partnerships with external data providers, credit bureaus, and alternative data ecosystems.Recruit, mentor, and develop a high-performing team of data scientists and risk analysts.Requirements10+ years of experience in data science, machine learning, and consumer credit risk within fintech, digital lending, BNPL, or EWA environments.Proven track record of building, deploying, and maintaining production ML models within real-time or near-real-time decisioning systems.Strong experience managing credit portfolios and designing credit policies across single or multi-market environments.Deep expertise in statistical modeling, machine learning techniques, and large-scale data analysis.Strong SQL skills and hands-on experience with cloud-based data platforms (e.g., GCP, BigQuery, or equivalent).Demonstrated leadership experience building and scaling technical teams while remaining technically engaged.Ability to communicate complex technical and analytical concepts clearly to business and executive stakeholders.Strong understanding of experimentation frameworks such as A/B testing and causal inference approaches.Experience in fintech risk, underwriting systems, or lending products with strong business impact.Familiarity with Southeast Asian credit markets, alternative data sources, or regulatory frameworks is a strong plus.Experience with MLOps tooling (e.g., MLflow or similar platforms) is highly desirable.BenefitsCompetitive salary package aligned with experience and market standardsEquity participation in a high-growth fintech scale-upOpportunity to build credit risk and ML capabilities from the ground upHigh-impact role directly contributing to financial inclusion across emerging marketsFast-paced, mission-driven environment with strong ownership and autonomyAccess to modern ML stack and cloud-native infrastructureStrong career progression opportunities in a rapidly expanding organizationCulture focused on experimentation, innovation, and data-driven decision-makingHow Jobgether WorksWe use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.We appreciate your interest and wish you the best! Why Apply Through Jobgether?Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. 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