Data Science Manager - Credit Risk & Growth

About NOW Finance

NOW Finance is a mission-driven fintech company committed to delivering simple and clear financial products that empower Australians to pursue their aspirations immediately.

Role Overview

We are looking for an experienced and innovative Data Science Manager focused on Credit Risk & Growth to join our Data & Analytics division. This leadership position is ideal for a seasoned manager or technically proficient expert with a history of managing complex projects, mentoring teams, and driving impactful results. While the primary emphasis is on credit risk, the role also encompasses broader data science strategy and execution across the organization.

Key Responsibilities

• Lead, develop, and mentor a skilled team of data scientists and credit risk modeling experts, fostering a culture of collaboration, engagement, and ongoing skill advancement.
• Implement data science strategies aligned with business goals, overseeing delivery of effective solutions that yield tangible business value.
• Create, improve, and maintain credit application scorecards, decision models, and Expected Credit Loss (ECL) components including Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD) models.
• Manage the complete lifecycle of models—from development and deployment to monitoring and optimization—while upholding strong governance and risk management standards.
• Collaborate with cross-functional teams in Risk, Operations, and Technology to identify improvement opportunities, set priorities, and ensure outcomes are delivered.
• Clearly communicate complex technical findings and actionable insights to both technical teams and non-technical stakeholders.

Experience and Qualifications

• At least five years' experience in data science, credit risk analytics, or quantitative modeling, with substantive expertise in credit risk and econometric methodologies such as IFRS 9.
• Proven leadership experience in managing, coaching, and developing high-performing technical teams.
• Hands-on experience with model development, deployment, and ongoing monitoring especially in cloud platforms, with AWS expertise well regarded.
• Strong track record of partnering with business units to transform complex challenges into analytical solutions and influencing decisions through data-driven insights.
• Sound knowledge of model governance, risk management, and responsible data practices within regulated industries.
• Adept at managing strategic priorities amid evolving business environments.

Employee Benefits and Culture

• A vibrant and enthusiastic workforce supported by approachable leadership.
• Opportunities for career growth and internal advancement.
• On-the-job training and in-house professional development programs.
• A positive workplace environment with well-appointed office facilities including complimentary coffee and fresh fruit.
• Annual Wellness Day dedicated to employee wellbeing.
• Flexible work arrangements following probation.
• Access to an Employee Benefits Portal offering discounts, wellness tools, and perks.
• Discounted health insurance plans.
• Generous referral bonuses and employee recognition programs.

Additional Information

This is a full-time, permanent position based onsite in Melbourne, Victoria. If you are excited by the prospect of contributing to a forward-thinking Data & Analytics team and shaping financial solutions that impact Australians positively, we encourage you to apply.