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 Spain.

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.

Accountabilities:
- Define 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 dete

📌 Head Of Data Science (Málaga)
🏢 Jobgether
📍 Málaga