Sets the technical vision for data science, leads complex credit risk, pricing, and loss forecasting models from conception through production, and architects scalable machine learning pipelines. Partners with senior stakeholders to shape strategy, establishes modeling and validation standards, mentors technical staff, and communicates recommendations to executives. The role requires deep fintech lending experience, advanced statistical and machine learning expertise, and hands-on production model deployment.

Architects and develops AI-powered systems, backend services, APIs, experimentation frameworks, and automation using foundational models. Integrates AI capabilities with microservices, AWS, Snowflake, and diverse technology stacks while ensuring scalability, reliability, and maintainability. Collaborates with product, data science, and engineering teams to translate business needs into technical solutions, evaluate emerging AI tools, and rapidly prototype proof-of-concept applications.

Lead end-to-end data science initiatives: design, deploy, and monitor ML/statistical models for credit risk, pricing, collections and fraud. Collaborate cross-functionally to integrate models into production, define model development standards, mentor team members, and maintain scalable ML pipelines and monitoring systems to drive measurable business impact.