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Added 5 hours ago
A
Agentic Commerce AI Engineering Lead
Azoma
ON · Ontario, Canada
- Full-time
Our team combines advanced AI, software engineering and deep commerce expertise. Joining Azoma means taking hands-on ownership as we scale, shaping products used by global brands and…
Added 6 hours ago
L
Software Development Manager
LawDepot
Remote, Canada
- Full-time
- Remote
LawDepot is looking to recruit a Software Development Manager to lead the teams responsible for our contract platform and internal content management system (CMS) editor experience. This…
Added 6 hours ago
Senior Health & Safety Specialist
R W Tomlinson
Ottawa, ON
Lead, support, and monitor the implementation of company health and safety programs, procedures, and initiatives.
Added 6 hours ago
ST
Senior Electrical Engineer
Saltworks Technologies
Richmond, BC
- $100,000 to $130,000 CAD / year
- Full-time
Saltworks is a 2025 Technology Fast 50 company and EY Entrepreneur of the Year award winner. We lead our industry in adopting and developing AI across our products, projects, and…
Added 6 hours ago
ST
Controls and Automation Engineer
Saltworks Technologies
Richmond, BC
- $90,000 to $120,000 CAD / year
- Full-time
Saltworks is a 2025 Technology Fast 50 company and EY Entrepreneur of the Year award winner. We lead our industry in adopting and developing AI across our products, projects, and…
Added 6 hours ago
ST
Intermediate Electrical Engineer
Saltworks Technologies
Richmond, BC
- $80,000 to $100,000 CAD / year
- Full-time
Saltworks is a 2025 Technology Fast 50 company and EY Entrepreneur of the Year award winner. We lead our industry in adopting and developing AI across our products, projects, and…
Added 8 hours ago
BC
Painter/Journeyperson
Brant Community Healthcare System
Brantford, ON
- Full-time
At BCHS, we are driven by a bold vision: To Lead Beyond Care. As a two-site community hospital system in Brantford and Paris, Ontario, we serve with purpose, passion, and a deep commitment…
Added 9 hours ago
A
Cloud Infrastructure & Security Lead
Azoma
ON · Ontario, Canada
- Full-time
Our team combines advanced AI, software engineering and deep commerce expertise. Joining Azoma means taking hands-on ownership as we scale, shaping products used by global brands and…
Added 10 hours ago
AI
Junior Structural Engineer
Acuren Inspection, Inc.
Dartmouth, NS
- Full-time
Acuren Group is recruiting an Engineer in Training (EIT) to join our Structural Engineering team. Acuren is one of North America's largest providers of integrated inspection, testing, and…
Added 11 hours ago
RS
Director of Business Development
Red Seal Fire Protection
Windsor, ON
- Full-time
Added 11 hours ago
R
VP, Business Development - Canada
ReVisionz
Calgary, AB
- Full-time
Opportunity Qualification: Qualify opportunities early on fit, budget, timing and decision process, and keep lead and deal records accurate and current in the CRM
Added 11 hours ago
R
Director, Business Development - Canada
ReVisionz
Remote, Canada
- Full-time
- Remote
Opportunity Qualification: Qualify opportunities early on fit, budget, timing and decision process, and keep lead and deal records accurate and current in the CRM.
Added 11 hours ago
R
VP, Business Development - Canada
ReVisionz
Remote, Canada
- Full-time
- Remote
Opportunity Qualification: Qualify opportunities early on fit, budget, timing and decision process, and keep lead and deal records accurate and current in the CRM.
Added 11 hours ago
R
Director, Business Development - Canada
ReVisionz
Calgary, AB
- Full-time
Opportunity Qualification: Qualify opportunities early on fit, budget, timing and decision process, and keep lead and deal records accurate and current in the CRM
Added 11 hours ago
SE
Senior Specialist, Offer Lifecycle Procurement
Schneider Electric
Calgary, AB · Montreal, QC
- Full-time
We are looking for an Offer Procurement Leader to join our global Digital Energy procurement team in Montréal. You will lead procurement for a global portfolio of strategic offers and…
Added 12 hours ago
R
Manager, Business Development - Canada
ReVisionz
Remote, Canada
- Full-time
- Remote
Opportunity Qualification: Qualify opportunities early on fit, budget, timing and decision process, and keep lead and deal records accurate and current in the CRM.
Added 12 hours ago
PC
Cloud Infrastructure Engineer, Senior Associate
PwC Canada
Ottawa, ON
- Full-time
Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to:
Added 12 hours ago
PC
Cloud Infrastructure Engineer, Senior Associate
PwC Canada
Toronto, ON
- Full-time
Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to:
Added 12 hours ago
R
Manager, Business Development - Canada
ReVisionz
Calgary, AB
- Full-time
Opportunity Qualification: Qualify opportunities early on fit, budget, timing and decision process, and keep lead and deal records accurate and current in the CRM
Added 12 hours ago
N
Marketing Engineer & Director of AEO
Notified
Toronto, ON
- Full-time
This is not a traditional SEO role. It is a systems-building marketing engineering role with AEO and technical search as the primary mandate: improving how our content, product, entities,…
Added 14 hours ago
TL
CTO (Chief Technology Officer)
Total Life, Inc.
Remote, Canada
- Full-time
- Remote
Build and lead the team. You will set the engineering culture, raise the bar for quality and speed, manage in-house and contract developers, and hire the team that will carry us through…
Added 14 hours ago
E
Principal Software Engineer
EngRadar
Kitamaat 2, BC
- Full-time
As a Principal Software Engineer on Conga’s B2B Platform Engineering, Core Services team, you’ll own the security, identity, and access management capabilities that every Conga B2B product…
Added 14 hours ago
C
Assistant Operations Manager
CBRE
Toronto, ON
- Full-time
This position is part of the Engineering and Technical Services function and is responsible for supporting preventive maintenance, repairs, technical operations, operational excellence, and…
Added 17 hours ago
AP
Associate Director, Commercial Data Operations
Alexion Pharmaceuticals, Inc.
Mississauga, ON
- Full-time
…with technology teams to deliver governed data products, and lead the response to material data issues. The role spans specialty pharmacy and distribution, patient services, claims,…
Added 17 hours ago
AP
Manager, Data Operations
Alexion Pharmaceuticals, Inc.
Mississauga, ON
- Full-time
In this role, you will lead the delivery and daily operation of specialty pharmacy, specialty infusion, patient services, trade and distribution data that powers our US Commercial strategy…

Closed listing

Jobgether

Head Of Data Science & Credit Risk

Canada

Full-time

This opening has closed.

The original listing is kept below for reference.

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About employer

Job details

Job type: Full-time
Posting language: English
Posted: Sep 21, 2026

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Original job description

Archived listing. The details below describe a past opening.

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Head Of Data Science & Credit Risk based in Canada.

As Head of Data Science & Credit Risk, you will lead the strategy behind ML-powered underwriting and credit risk decisioning across multiple fast-growing markets.

You will own the full lifecycle of risk models, from development and deployment through monitoring, experimentation, and measurable business impact.

The role combines deep technical leadership with responsibility for credit policies, portfolio performance, and responsible lending practices.

You will build and mentor a high-performing team of data scientists and risk analysts while remaining actively involved in complex technical challenges.

Working closely with Engineering, Product, Finance, and executive stakeholders, you will turn advanced analytics into practical decisions that support sustainable growth.

You will help improve approval rates, automate decisioning, identify new customer segments, and strengthen portfolio health through data-driven strategies.

This is a greenfield leadership opportunity in a mission-driven fintech environment focused on expanding fairer and more accessible financial services.

Accountabilities

ML and model development: Lead the design, testing, deployment, and ongoing improvement of machine learning models for credit decisioning, fraud detection, risk segmentation, customer value, monetization, and marketing attribution.
Underwriting innovation: Develop underwriting algorithms using alternative data sources to strengthen risk assessment while responsibly expanding access to financial services.
Real-time decisioning: Build and scale real-time or near-real-time scoring models across multiple markets and products.
Model governance: Ensure models are interpretable, robust, fair, and reliable, with appropriate monitoring for accuracy, feature stability, performance, and drift.
MLOps: Establish strong practices for experimentation, model versioning, deployment, monitoring, and production lifecycle management.
Credit risk strategy: Develop and manage credit risk frameworks, policies, approval strategies, risk thresholds, and customer segmentation approaches adapted to individual markets.
Portfolio monitoring: Track portfolio and risk metrics, investigate material changes, and establish early-warning indicators for potential deterioration.
Experimentation: Simulate policy and model changes, lead A/B testing, and use performance data and business KPIs to continuously refine decisioning strategies.
Stress testing and provisioning: Lead stress testing and expected credit loss modeling while partnering with Finance on provisioning and capital allocation.
Market expansion: Develop localized risk models and policies that support expansion into new markets while aligning with applicable regulatory requirements.
Team leadership: Build, lead, coach, and mentor data scientists and risk analysts while remaining hands-on with technical problem-solving and model development.
Strategic planning: Own the data science and credit risk roadmap, aligning priorities with business growth, product development, and market expansion objectives.
Executive communication: Present model performance, portfolio trends, analytical insights, and strategic recommendations clearly to executive leadership and board-level stakeholders.
Cross-functional partnership: Work closely with Engineering, Product, and Finance to translate analytical findings into measurable business outcomes.
External partnerships: Evaluate and establish relationships with alternative data providers and credit bureaus.
Business impact: Improve approval rates while maintaining target default rates and responsible lending standards, reduce time-to-decision, strengthen unit economics, and identify new customer and product opportunities.

Requirements

Professional experience: 10+ years of combined experience across data science, machine learning, and consumer credit risk, ideally within fintech, digital lending, BNPL, or earned wage access.
Credit risk leadership: Proven experience developing and managing credit policies and portfolios at scale across multiple products, markets, or both.
Production ML: Demonstrated success building, deploying, and monitoring production machine learning models within real-time or near-real-time decisioning environments.
Experimentation: Strong hands-on experience with experimentation and A/B testing to assess the impact of model and policy changes.
Statistical expertise: Strong mathematical and statistical foundations, combining classical statistical techniques with modern machine learning approaches.
Data skills: Strong proficiency in SQL and exploratory data analysis, alongside practical experience working with cloud-based data platforms.
Cloud technology: Experience with cloud data infrastructure is required; familiarity with GCP BigQuery is useful but experience with this specific platform is not mandatory.
Technical leadership: Experience building and leading technical teams while remaining actively engaged in model development, analytical work, and complex problem-solving.
Communication: Excellent communication skills, with the ability to explain sophisticated models, risk concepts, and analytical recommendations to non-technical stakeholders.
Business judgment: Strong commercial understanding and the ability to connect technical and risk decisions with growth, portfolio performance, unit economics, and return on investment.
Startup mindset: Adaptable, proactive, and comfortable operating in a fast-paced environment where priorities can evolve quickly.
Regional expertise: Familiarity with Southeast Asian credit markets, credit bureaus, and alternative data sources is an advantage.
MLOps tools: Experience with MLflow or similar frameworks for production machine learning development and deployment is a plus.
Regulatory knowledge: Understanding of IFRS 9 and local credit regulations across multiple markets or regions is beneficial.

Benefits

Competitive compensation: Salary based on experience and location.
Equity participation: Opportunity to participate in the company’s equity program.
Leadership opportunity: Build and shape a growing data science and credit risk function from the ground up.
Professional growth: Opportunities to expand your leadership, technical expertise, and strategic influence within a rapidly growing organization.
Modern technology: Work with a modern machine learning stack and cloud-based data infrastructure.
International scope: Lead data science and credit risk initiatives across multiple markets and support international expansion.
Meaningful impact: Help develop models and financial services designed to expand responsible access to financial products for underbanked employees.
Mission-driven environment: Contribute to improving financial well-being through fairer, more accessible financial services.

How Jobgether Works

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Why Apply Through Jobgether?

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

About employer

More about this job

Responsibilities

Lead the strategy and full lifecycle of ML-powered underwriting and credit risk decisioning across multiple markets. Build and mentor a high-performing team of data scientists and risk analysts to improve approval rates and portfolio health.

Requirements

Requires 10+ years of experience in data science and consumer credit risk, specifically within fintech or digital lending. Must have a proven track record of deploying production ML models and managing credit policies at scale.

Skills

Machine Learning
Credit Risk Management
Underwriting
SQL
MLOps
A/B Testing
Statistical Modeling
Portfolio Monitoring
Credit Policy Development
Team Leadership
Data Analysis
Cloud Infrastructure
Fraud Detection
Risk Segmentation
Strategic Planning
Executive Communication

Benefits

Competitive Compensation
Equity Participation
Leadership Opportunity
Professional Growth
Modern Technology Stack
International Scope
Meaningful Impact

Visa sponsorship

Not detected in the job text

Keywords

Machine Learning
Credit Risk
Fintech
BNPL
Earned Wage Access
Underwriting
MLOps
SQL
GCP BigQuery
MLflow
IFRS 9
A/B Testing
Portfolio Performance
Risk Segmentation
Fraud Detection
Alternative Data
Real-time Scoring
Model Governance
Stress Testing
Expected Credit Loss
Data Science
Cloud Computing
Credit Bureaus
Unit Economics
Risk Frameworks
Decisioning Algorithms
Data-driven Strategy
Financial Services
Portfolio Monitoring
Technical Leadership

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