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 / Ventajas 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

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