Overview In this role you lead Deels Credit Risk & Analytics, building AI/ML-based underwriting, real-time portfolio monitoring, and risk-adjusted performance insights. You'll partner with Product and Engineering to deploy models and embed governance across the business. You will expand credit access to underserved markets by incorporating non-traditional data, and shape underwriting strategy to enable sustainable growth.

You'll drive scalable analytics and risk governance across cross-functional teams to improve outcomes.

Compensaciones / Incentivos Stock grant opportunities remote work flexibility

WeWork access country-based perks inclusive, equal-opportunity employer comprehensive benefits tailored by location

Responsabilidades

Build and maintain a credit risk analytics capability for portfolio optimization and loss forecasting

Lead iterative development of underwriting and pricing models, from data sourcing to production deployment

Incorporate non-traditional data sources (transactional, behavioral) to improve predictive accuracy and access

Architect real-time monitoring, automatic alerts for portfolio health, KRIs, concentration exposure, and collections

Identify risk signals for new products, markets,



or customer segments

Design and run A/B tests for underwriting criteria, pricing, and segments

Develop credit risk governance processes, including committees, reporting, and escalation

Ensure models/pipelines are auditable, scalable, and deployment-ready

Collaborate with Product, Sales, Operations, Compliance, and Engineering on underwriting strategy

Apply predictive analytics to optimize collections and recovery outcomes

Provide analytics training and documentation to raise risk literacy across teams

Requisitos principales 15+ years in credit risk management with leadership in consumer and SME lending

Hands-on experience building, validating, and deploying AI/ML underwriting or scoring models

Experience using alternative data for lending

Proven ability to manage credit risk for new products, markets, and segments

Strong leadership and ability to train non-technical stakeholders in analytics and risk concepts leadership communication cross-functional collaboration

AI/ML underwriting models real-time analytics and monitoring alternative data usage

📌 Senior Director, Credit Risk and Analytics (Almería)
🏢 Deel
📍 Almería