Head of Data Science, Credit Risk Analytics

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Meet the team

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Here at Cleo we have team of ~135 member in our Borrow Pillar and ~8 dedicated to Credit Policy and Analytics. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.

About the role

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We're hiring a Head of Data Science to lead credit performance measurement and monitoring within our Risk & Payments pillar. This is a player-coach role: you'll manage a team of Credit Data Scientists and Analysts, splitting your time between hands-on analysis and leading the team - setting direction, developing people, and owning the function's output.

You'll own the frameworks and metrics that keep our credit products healthy, and drive the deep-dive analyses that explain performance shifts and turn them into action. Key areas of impact:

* Own credit performance measurement - design and maintain Cleo's risk metric framework (arrears, default, yield, LTV, marginal loss), and the dashb