Analytics Lead, Full Stack (Credit Analytics)

What You’ll Do

• Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies.
• Partner with Engineering to design and build scalable risk models and credit risk capabilities.
• Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk.
• Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations.
• Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships.
• Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals.
• Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations.

What we look for

• Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 4+ years of experience (or equivalent senior-level experience)
• Experience setting credit strategy for de novo products using Sandbox data, retrospective studies or archives
• Experience in high-line unsecured lending, especially in the home improvement vertical
• SQL, Python, or other scripting languages
• Data mining, data visualisation, and statistical modeling
• Applying machine learning techniques to credit risk management