NOW Finance is a purpose-driven fintech with a simple aim: to create simple and transparent financial solutions, empowering Aussies to live their dreams – now! We are seeking an experienced and forward-thinking Data Science Manager (Credit Risk & Growth) to join our Data & Analytics team. This is a key leadership role suited to an experienced people leader or senior technical specialist with a strong track record of delivering complex initiatives, mentoring others and influencing outcomes.

While credit risk will be a primary focus, the role also offers the opportunity to shape and deliver broader data science initiatives across the organisation. Reporting to the Head of Data & Analytics, you will lead a high-performing team of data scientists and credit risk modelling specialists, providing strategic direction, technical leadership, and fostering a collaborative, curious and commercially focused culture. You will shape and deliver data science solutions that improve credit decisioning, portfolio performance and customer outcomes, while ensuring models remain robust, well-governed and fit for purpose.

Your Key

Responsibilities

Lead, mentor and develop a high-performing team of data scientists, fostering engagement, collaboration and continuous capability development.

Execute the data science strategy, aligning priorities with business objectives and leading the delivery of high-quality solutions that drive measurable business value.

Develop, enhance, and maintain credit application scorecards, decisioning models, and ECL (Expected Credit Loss) PD / EAD / LGD models.

Oversee the end-to-end model lifecycle, from development and deployment through to monitoring and optimisation, while ensuring robust governance and responsible model management practices.

Partner with stakeholders across Risk, Operations and Technology to identify opportunities,



prioritise initiatives and deliver measurable business outcomes.

Translate complex technical concepts into clear insights, recommendations and actions for both technical and non-technical stakeholders. Your Attributes, Experience & Qualifications

Minimum 5 years in data science, credit risk analytics or quantitative modelling, including experience in credit risk modelling, and econometric modelling methodologies such as IFRS 9.

Demonstrated experience leading, coaching and developing high-performing technical teams.

Experience developing, deploying and monitoring models in cloud-based environments, with AWS experience highly regarded.

Proven ability to partner with business stakeholders, translate complex business challenges into practical analytical solutions, and influence decision-making through data-driven insights and recommendations.

Understanding of model governance, model risk management and responsible data practices within a regulated environment.

Ability to operate effectively in a dynamic environment, balancing strategic priorities with changing business needs. At NOW Finance we support and encourage our employee's personal and career development – what we can offer you is:

A fun and energetic team alongside a supportive leadership team The opportunity for internal promotion and growth within the business

On-the-job training and in-house professional development A positive work environment and excellent office space, with free coffee and fruit! Benefits An annual Wellness Day

Flexibility post probation

Entry to our Employee Benefit Portal offering discounts, perks, and wellness resources

Discounted health insurance A substantial referral bonus

Employee Reward and Recognition Job Type: Full-time, permanent If you are interested in exploring this opportunity and being part of our fantastic culture and Data & Analytics Team, please apply now.

📌 Data Science Manager (Credit Risk & Growth) (Melbourne)
🏢 NOW FINANCE
📍 Melbourne