Head of Credit Risk and Analytics

**Who we are is what we do.**

Deel is the all-in-one payroll and HR platform for global teams. Our vision is to unlock global opportunity for every person, team, and business. Built for the way the world works today, Deel combines HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. With AI-powered tools and a fully owned payroll infrastructure, Deel supports every worker type in 150+ countries—helping businesses scale smarter, faster, and more compliantly.

Among the largest globally distributed companies in the world, our team of 6,000 spans more than 100 countries, speaks 74 languages, and brings a connected and dynamic culture that drives continuous learning and innovation for our customers.

**Why should you be part of our success story?**

As the fastest-growing Software as a Service (SaaS) company in history, Deel is transforming how global talent connects with world-class companies - breaking down borders that have traditionally limited both hiring and career opportunities. We're not just building software; we're creating the infrastructure for the future of work, enabling a more diverse and inclusive global economy. In 2024 alone, we paid $11.2 billion to workers in nearly 100 currencies and provided healthcare and benefits to workers in 109 countries—ensuring people get paid and protected, no matter where they are.

Our momentum is reflected in our achievements and customer satisfaction: CNBC Disruptor 50, Forbes Cloud 100, Deloitte Fast 500, and repeated recognition on Y Combinator’s top companies list - all while maintaining a 4.83 average rating from 15,000 reviews across G2, Trustpilot, Captera, Apple and Google.

Your experience at Deel will be a career accelerator. At the forefront of the global work revolution, you'll tackle complex challenges that impact millions of people's working lives. With our momentum—backed by a $12 billion valuation and $1 B in Annual Recurring Revenue (ARR) in just over five years—you'll drive meaningful impact while building expertise that makes you a sought-after leader in the transformation of global work.

**About the role**

Lead and scale the Credit Risk & Analytics function driving AI/ML-based underwriting, real-time portfolio monitoring, collections strategy, and risk-adjusted performance across Deel’s portfolio. You’ll build predictive, real-time analytics systems, operationalize models with Product & Engineering teams, and embed governance and compliance into every step. Your work will shape underwriting strategy, support sustainable growth, and serve overlooked segments.

**Responsibilities**:

- Build and maintain a credit risk analytics capability to provide timely, actionable insights for portfolio optimisation, loss forecasting, and provision adequacy.
- Lead iterative development of underwriting and pricing models - from evaluating AI/ML algorithms, sourcing alternative data to production deployment and continuous optimization with cross-functional partners.
- Identify and integrate non-traditional data sources (e.g., transactional, behavioural) to boost predictive accuracy and credit access for underserved markets.
- Architect real time monitoring frameworks and automated alerting systems for portfolio health, KRIs, concentration exposure, and collections performance.
- Ensure proactive risk identification for new products, markets, or customer segments.
- Design and execute A/B testing frameworks for new underwriting/scoring criteria, pricing, and customer segments.
- Develop and implement credit risk governance processes, including Credit Committees, actionable reporting and escalation protocols.
- Ensure models and analytics pipelines are auditable, scalable, deployment-ready, and aligned with best practices.
- Collaborate with Product, Sales, Operations, Compliance, and Engineering to align underwriting strategy with business objectives and economic levers.
- Employ predictive analytics to improve collections strategy, focusing on customer outcomes and recovery efficiency.
- Enable risk-awareness and analytics literacy across teams via workshops, training, and documentation.

**Skills and Competencies**
- Demonstrated leadership expertise in credit risk management roles for consumer and small business lending
- Hands-on experience building, validating, deploying AI/ML underwriting or scoring models.
- Experience leveraging alternative data sets for Consumer and SME lending.
- Demonstrated success in managing credit risk for new products, markets, and customer segments.
- Strong leadership, with ability to train non‑technical stakeholders in analytics and risk concepts.
- Degree in Finance, Economics, Risk Management, Statistics, or related field; Master’s preferred.
- Relevant certifications (e.g., CFA, FRM, PRM) will be considered a strong advantage.

**Total Rewards**

Our workforce deserves fair and competitive pay that meets them where they are. With scalable benefits, rewards, and perks,