Head of Risk Analytics & Decision ScienceJust posted!

About the Business

Our client is a fast-growing, founder-led Australian fintech backed by credible investors and scaling toward its next major growth milestone.

The Opportunity

This is an opportunity to lead a risk function from a position of real influence. Reporting directly to the CEO, with visibility to the Board Risk Committee, you'll own the risk governance framework, define credit and fraud decisioning strategy across the customer lifecycle, and lead the models and team that keep the business growing responsibly within appetite. You'll play a central role in shaping how a rapid-moving, founder-led business balances sustainable growth with risk discipline, bringing the influence and credibility to educate, challenge and build trust with key stakeholders.

What you'll do

- Own the risk governance framework and set risk appetite, concentration limits, approval thresholds and portfolio monitoring
- Define credit, fraud and counterparty decisioning strategies across acquisition, lifecycle/behavioural and collections efficiency
- Own and maintain expected loss and bad-debt provisioning models
- Own risk-based pricing governance
- Translate risk policy into functional specifications and own the risk model roadmap




- Own monthly executive reporting and quarterly board packs
- Represent the business's risk approach with funders, insurers, auditors and investors
- Lead and develop a team of data scientists and risk analytics professionals

What you'll bring

- Strong stakeholder and C-suite presence, with the influence and credibility to educate and challenge senior, non-risk-background executives
- Experience in model validation and model risk management — governance, monitoring, regulatory expectations
- Solid experience in credit risk analytics, including PD, LGD, EAD, expected loss, scorecards and early-warning systems
- Ability to be hands-on as required, comfortable in the code and the model detail, not just the strategy
- A background starting in a quantitative discipline before broadening into risk leadership, ideally within financial services
- Advanced Python (logistic regression, XGBoost or similar modelling experience highly regarded)
- Experience in lending, payments or fraud considered highly favourably

Please note this role is Melbourne based and requires candidates to be in the office three days per week.

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📌 Head of Risk Analytics & Decision ScienceJust posted! (Melbourne)
🏢 Bluefin Resources
📍 Melbourne