Head of Decision Science

Overview

As Head of Decision Science, you will shape the bank’s decisioning capability by leading advanced credit modelling, analytics and automation. You’ll set the technical direction, govern model governance, and align analytics with commercial lending strategy. You’ll work closely with Technology, Data and business teams to drive sustainable growth through responsible lending. This senior role combines strategic leadership with hands-on technical problem solving, delivering measurable customer and risk outcomes. You’ll build an ambitious team and establish scalable, explainable modelling practices.

Pay / Benefits

• Competitive salary
• Benefits
• Permanent contract
• Opportunity to shape a modern Decision Science function
• Cross-functional collaboration
• Senior leadership role

Responsibilities

• Define and execute the Decision Science strategy, delivery roadmap and development standards
• Lead the creation and continuous improvement of credit risk models, including scorecards, affordability models and predictive analytics
• Modernise analytics workflows with automation, version control and reusable modelling frameworks
• Bridge analytics and commercial decisions by collaborating with Credit Strategy, Product, Finance, Operations, Technology and Data
• Build and lead a high-performing Decision Science team, fostering curiosity, collaboration and capability development

Key requirements

• Substantial experience in credit risk modelling or Decision Science within consumer lending
• Experience developing application or behavioural scorecards in prime, near-prime or comparable lending
• Experience with behavioural modelling, customer management decisioning, affordability modelling or related predictive solutions
• Strong understanding of model development, calibration, monitoring and optimisation
• Advanced capability in Python, SQL or equivalent tools
• Experience improving modelling environments through automation and modern engineering practices
• Knowledge of model governance, documentation, monitoring and independent validation in a regulated environment
• Ability to translate complex analysis into actionable commercial recommendations
• Leadership experience with coaching or mentoring analytical teams
• Excellent communication with senior stakeholders across technical and non-technical disciplines
• Degree in Mathematics/Statistics/Economics/Operations Research/Data Science/CS or Engineering (or equivalent) would be valuable

• Commercial judgement
• Leadership and people development
• Clear communication to diverse audiences
• Python
• SQL
• Credit risk modelling

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