Tech Stack
PythonXGBoostSQL
Job Description, Responsibilities & Requirements
About the Position
Director of Credit Risk & Decision Science
Cambridge, ON (In-Office Only)
Mandate:
Our client is a Consumer Finance & Credit provider with 120 retail branches in Ontario. They are seeking a Director of Credit Risk & Decision Science to lead their Risk Modelling Group. In this role you will own all risk modeling, portfolio analytics, and decision-engine logic. This leader bridges data science and finance, building predictive systems that translate directly into credit performance and profitability.
Responsibilities
- Architect, train, and validate behavioral and application-score models (XGBoost, ANN, logistic regression).
- Integrate new data sources (TransUnion, open banking, internal customer data).
- Oversee loss forecasting, segmentation, and performance dashboards.
- Embed real-time credit decisioning into Evolve OS and Provenir.
- Translate analytics into lending policy and pricing strategy.
Requirements
- 8+ years in credit risk, decision science, or fintech lending.
- Fluent in Python/SQL; understands both Gini curves and P&L implications.
- Can challenge, improve, and operationalize models built by others.
- Analytical, skeptical.
Skills
- Credit Risk
- Python
- SQL
- XGBoost
- Logistic regressions
- Random forest
- Deep learning
- Lorenz Curves
- Gini Curves
- Evolve OS
We Offer
- Location: Cambridge, Ontario
- Employment Type: Full-Time (In Office)
- Salary: $180,000 per year
About the Company
Our client is a Consumer Finance & Credit provider with 120 retail branches in Ontario.