Job Overview
Provide Credit Decision Science insight and input to Retail Bank or Business Bank credit strategy, translating active business data into usable strategic information to inform credit decisions and risk. Translate strategy into business plans and objectives, and implement them by leading a team of specialists in the Credit Decision Science function.
Key Responsibilities
Lead, manage and direct a specialist Credit Decision Science team. Investigate, analyse, design and deliver business solutions using data mining and predictive modelling. Drive credit decision-science initiatives across a large organisation through influence and stakeholder relationships. Oversee credit scoring and rules-engine systems, data-warehouse environments, and IT development for credit products. Use machine learning, AI and cloud technology to optimise credit-risk analytics. Govern development and deployment of credit-risk models from scorecard development through system deployment and tracking.
Required Qualifications
Honours degree in Mathematics or Statistics (minimum); Master's preferred. Minimum 10 years credit-risk analytics and 5 years management experience including people leadership. Proven experience leading Credit Decision Science initiatives across a large organisation. Expert knowledge of credit decision-science practice, the retail credit environment, governance and risk. Clear criminal and credit record.
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