Head Of Data Science & Credit Risk

About the role

We are seeking a Head of Data Science & Credit Risk to lead ML‑powered underwriting and credit decisioning across fast‑growing markets. Based in Israel, you will own the full lifecycle of risk models, from development to monitoring, and drive responsible lending practices.

Key responsibilities

• Design, test, deploy and continuously improve machine learning models for credit decisioning, fraud detection, risk segmentation and marketing attribution.
• Develop underwriting algorithms using alternative data while ensuring fair access to financial services.
• Build and scale real‑time scoring models across multiple products and markets.
• Establish model governance, monitoring, and MLOps practices for robustness and interpretability.
• Define credit risk frameworks, policies, approval strategies and risk thresholds tailored to each market.
• Lead portfolio monitoring, stress testing, and provisioning in partnership with Finance.
• Mentor and grow a high‑performing team of data scientists and risk analysts.
• Collaborate with Engineering, Product and Finance to translate analytics into measurable business outcomes.

Required profile

• 10+ years of experience in data science, machine learning and consumer credit risk, preferably in fintech or digital lending.
• Proven track record developing and managing credit policies and portfolios at scale.
• Hands‑on experience building, deploying and monitoring production ML models in real‑time environments.
• Strong statistical background and ability to run A/B experiments to assess model and policy impact.
• Excellent communication skills to convey complex risk concepts to non‑technical stakeholders.

Required skills

• SQL
• Cloud data platforms (e.g., GCP, BigQuery)
• MLflow or similar MLOps frameworks
• Production machine‑learning deployment and monitoring
• A/B testing and experimentation
• Statistical and mathematical modeling techniques

What we offer

• Competitive salary based on experience and location
• Equity participation in the company
• Opportunity to build and shape a data science and credit risk function from the ground up
• Professional growth in a fast‑moving, mission‑driven fintech
• Modern machine‑learning stack and cloud‑based infrastructure
• International scope with impact across multiple markets
• Contribution to fairer, more accessible financial services for underbanked employees