Head Of Data Science & Credit Risk

About this role

Position Title: Head of Data Science & Credit Risk Department: Data Science & Credit Risk Location: Global About FINN FINN is a fintech company building simple and transparent products that improve financial well-being for underbanked employees. Our core offering gives people access to wages they have already earned, alongside tools to help them manage money better, build savings, access insurance, earn additional income, and use fairer financial services.

Founded in 2022, FINN is the largest player in the early wage access space in Southeast Asia and is expanding rapidly into new markets globally. We are looking for ambitious builders who take ownership, move fast, and want to shape products that create meaningful impact in people’s lives. We’re seeking a Head of Data Science & Credit Risk to lead our ML-driven underwriting strategy and strengthen risk decisioning across Southeast Asia.

In this role, you’ll combine deep data science expertise with credit risk leadership, owning the full lifecycle from model development to business impact. You’ll build and lead a team of data scientists and risk analysts, working closely with engineering, product, and finance to improve approval funnels, strengthen portfolio performance, and expand access to credit responsibly. ML & Model Development Lead the design, testing, and deployment of ML models for credit decisioning, fraud detection, and risk segmentation.

Develop underwriting algorithms that use alternative data sources to improve risk assessment and expand financial access. Build and deploy real-time or near-real-time scoring models that scale across multiple markets. Ensure models are interpretable, fair, and robust, with monitoring for accuracy, feature stability, and drift. Establish MLOps practices for model versioning, experimentation, deployment, and ongoing monitoring.

Expand machine learning adoption across the business, including customer value, monetization, and marketing attribution. Credit Risk Strategy & Monitoring Develop and manage credit risk frameworks, policies, and approval strategies adapted to each market. Set risk thresholds and customer segmentation strategies that balance growth, default rates, and portfolio health. Monitor key risk metrics, investigate significant changes, and establish early warning signals for portfolio deterioration.