Senior Director, Credit Risk and Analytics

About the role

Lead and scale the Credit Risk & Analytics function driving AI/ML-based underwriting, real-time portfolio monitoring, collections strategy, and risk-adjusted performance across Deel’s portfolio. You’ll build predictive, real-time analytics systems, operationalize models with Product & Engineering teams, and embed governance and compliance into every step. Your work will shape underwriting strategy, support sustainable growth, and serve overlooked segments.

Responsibilities

• Build and maintain a credit risk analytics capability to provide timely, actionable insights for portfolio optimisation, loss forecasting, and provision adequacy.
• Lead iterative development of underwriting and pricing models - from evaluating AI/ML algorithms, sourcing alternative data to production deployment and continuous optimization with cross-functional partners.
• Identify and integrate non-traditional data sources (e.g., transactional, behavioural) to boost predictive accuracy and credit access for underserved markets.
• Architect real time monitoring frameworks and automated alerting systems for portfolio health, KRIs, concentration exposure, and collections performance.
• Ensure proactive risk identification for new products, markets, or customer segments.
• Design and execute A/B testing frameworks for new underwriting/scoring criteria, pricing, and customer segments.
• Develop and implement credit risk governance processes, including Credit Committees, actionable reporting and escalation protocols.
• Ensure models and analytics pipelines are auditable, scalable, deployment-ready, and aligned with best practices.
• Collaborate with Product, Sales, Operations, Compliance, and Engineering to align underwriting strategy with business objectives and economic levers.
• Predictive analytics to improve collections strategy, focusing on customer outcomes and recovery efficiency.
• Enable risk-awareness and analytics literacy across teams via workshops, training, and documentation.

Requirements

• A minimum of 15 years in credit risk management, including leadership roles in consumer and small business lending.
• Hands-on experience building, validating, deploying AI/ML underwriting or scoring models.
• Experience leveraging alternative data sets for Consumer and SME lending.
• Demonstrated success in managing credit risk for new products, markets, and customer segments.
• Strong leadership, with ability to train non-technical stakeholders in analytics and risk concepts.
• Degree in Finance, Economics, Risk Management, Statistics, or related field; Master’s preferred.
• Relevant certifications (e.g., CFA, FRM, PRM) will be considered a strong advantage.

Skills and Competencies

• Hands-on experience building, validating, deploying AI/ML underwriting or scoring models.
• Experience leveraging alternative data sets for Consumer and SME lending.
• Demonstrated success in managing credit risk for new products, markets, and customer segments.
• Strong leadership, with ability to train non-technical stakeholders in analytics and risk concepts.
• Hands-on experience building, validating, deploying AI/ML underwriting or scoring models.
• Experience leveraging alternative data sets for Consumer and SME lending.
• Demonstrated success in managing credit risk for new products, markets, and customer segments.
• Strong leadership, with ability to train non-technical stakeholders in analytics and risk concepts.

Total Rewards

Your offer will be localized to your country's currency using a market-aligned conversion. Final pay is based on objective, job-related criteria including experience, skills, and location. We don't ask about salary history. Offers are based on the role and what you bring to it. Some things you'll enjoy:

• Stock grant opportunities dependent on your role, employment status and location
• Additional perks and benefits based on your employment status and country
• The flexibility of remote work, including optional WeWork access