Director Decision Science

We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We are to create a new standard for business payments and have made it our mission to simplify the purchasing experience for all businesses making it a tool for growth. Our solutions are based on proprietary, machine-learning-supported risk models, fully digitized processes and a highly scalable tech platform. This makes us a deep-tech company building financial products, not the other way around. We love building simple and elegant solutions and we strive for automation and scalability. **About the role**: The Director of Decision Science will join Billie's Data science team, a diverse team of talented data analysts and data scientists specialised in building decision solutions across identification, fraud prevention and credit risk assessment for our lending products. Director of Decision Science will be responsible for leading data analytics and data science teams, building the roadmap of creating advanced analytical solutions to support achievement of business goals, working with various stakeholders (Product, Engineering, Business) to execute the roadmap and oversee the operationalisation of data-driven solutions. This includes identifying areas for improvement, designing, and implementing ML or mathematical optimisation models, and performing relevant data analysis to support strategic and tactical decision-making. **In This Role, You'll Get to** - Lead and manage a high-performing team of data scientists and analysts - Oversee the design and implementation of data-driven analytics and machine learning solutions to support business objectives - Work closely with business stakeholders (Commercial, Product, Technology and Operations) to understand their requirements and ensure efficient development of Billie's decision engine - Identify opportunities for process improvement and cost optimisation - Drive data investigation and detailed analysis to support strategic and tactical decision-making and provide insights and recommendations - Communicate effectively findings and recommendations to non-technical stakeholders - Stay up to date with the latest data science and analytical technologies and trends - Collaborate with data engineers to ensure data quality and compliance - Work cross-functionally (with Product, Engineers, Commercial teams) to deliver on segment's business outcomes - Inspire and manage employee performance, engagement, and development in line with team objectives and company values - Understand how the company's risk appetite and risk culture should be considered in day-to-day activities and decisions. - Develop, review and update the Company's credit risk management policies and procedures - Monitor total credit exposure of the company vs. (credit) risk appetite - Develop and manage on an ongoing basis a credit scoring and credit limit assignment policy - Develop, monitor and manage the credit limits, guarantees and collaterals on an ongoing basis - Monitor partner developments and adjust credit limits, collaterals and guarantees accordingly - Cooperate with other Company's divisions and/or the partner (as applicable) in case of defaults on payment plans, the collection processes on defaulted portfolios and sale of the receivables **Who we are looking for**: - 10+ years of experience, including experience managing teams of Data scientists and Data Analysts - Strong problem solving skills, ability to think strategically and use judgment to resolve issues as they arise - Strong leadership experience and ability to manage and mentor a team of Data scientists and Analysts - Prior experience with programming languages such as Python / R / SQL / Java - Familiarity with various data visualization tools (Tableau, Power BI, Periscope, etc.) - Knowledge of modern data architectures, cloud infrastructure and big data technologies such as Spark, Kafka, Airflow, dbt or similar (desirable) - Financial technology, payment, and/or e-commerce industry knowledge (desirable) - Ability to think creatively and critically and thrive in a fast-paced, dynamic, and oftenambiguous work environment - High levels of energy and enthusiasm for everything you do - you will be required to keep raising the bar - Ability to think big and to inspire a vision in others - Excellent communication skills and the ability to manage both technical and non-technical stakeholders **What we offer**: - Flexible work hours and trust in your ability to deliver, empowering you to take control of your work-life balance - Hybrid working approach enabling a good balance working from home and the office - One of the best Virtual Shares Incentive Programs in the market, so that everyone at Billie is invested in our success - Our "Catch a Ride with Billie" program, that enables discounted access to Berlin Public Transport (BVG) - A yearly development