Team Lead, Customer Profiling and Personalization

Job Summary

Design, build, and deploy predictive models that improve customer segmentation, risk assessment, and credit decisions. Develop risk modelling and stress testing frameworks. Drive data-driven strategies that enable personalized offerings, boost portfolio performance, and support smarter, faster, and more responsible lending practices.

Job Details

Data Modelling & Customer Profiling:

• Build and maintain predictive models for customer segmentation and risk assessment. 
• Develop clustering techniques to better understand customer behaviour patterns.

Credit Risk Analytics:

• Create scoring models for default risk, fraud detection, and creditworthiness evaluation.
• Develop risk modelling and stress testing frameworks.

Model Deployment & Monitoring:

• Work with tech teams to deploy models into production systems.
• Monitor model performance and adjust when needed.

Stakeholder Engagement & Communication:

• Build relationships with internal stakeholders, customers, and external partners.

Compliance & Data Governance:

• Ensure models meet internal policies and regulatory requirements.
• Maintain data accuracy, ethics, and security standard.

Requirements

• B.Sc./M.Sc. in Data Science, Statistics, Computer Science, or related field.
• Professional certifications in data analytics or machine learning (preferred).
• Minimum 4 years in data science or risk analytics roles.
• Experience in financial services, particularly lending, is strongly preferred.

Technical:

• Predictive modelling & machine learning.
• Credit risk analysis & scoring.
• SQL, Python.
• Risk modelling and stress testing.
• Experience with cloud platforms (AWS, Azure).

Behavioral:

• Analytical and curious mindset.
• Effective communication and storytelling skills.
• Strong stakeholder management.
• Team collaboration.
• Accountability and ownership.
• Continuous learning & improvement mindset.

Benefits

At Credit Direct Finance Company Limited, we value our employees and strive to provide a comprehensive benefits package that recognizes their contributions and supports their well-being. As part of our commitment to a positive work environment, we offer the following benefits:

Competitive Salary: We offer a competitive salary structure that is commensurate with industry standards and recognizes the skills and experience of our employees.

Quarterly Performance Pay: We recognize and reward exceptional performance. Our quarterly performance pay program allows employees to earn additional compensation based on their individual and team achievements.

Transport Subsidy: We understand the importance of accessible transportation for our employees. To assist with commuting expenses, we provide a transport subsidy to help alleviate the financial burden associated with travel to and from work.

Staff Bus: We offer a convenient and reliable staff bus service for eligible employees, ensuring a comfortable and stress-free commute to the workplace.

Hybrid Work: We believe in providing flexibility and work-life balance. Our hybrid work policy allows eligible employees to work remotely for a certain number of days per week, promoting a healthy work-life integration.

13th Month Salary: As an additional financial benefit, we provide a 13th-month salary to our employees. This extra payment, usually received at the end of the year, serves as a bonus and acknowledges their dedication and commitment throughout the year.

Leave Allowance: We recognize the importance of taking time off for rest and relaxation. In addition to annual leave entitlement, we provide a leave allowance to eligible employees, offering financial support during their vacation time.

Profit Sharing: We believe in sharing our success with our employees. Through our profit-sharing program, eligible employees have the opportunity to receive a share of the company's profits, providing an additional incentive for their dedication and hard work.

These benefits are designed to support our employees' financial well-being, work-life balance, and professional growth. We continuously review and enhance our benefits package to ensure that it remains competitive and aligned with the needs and preferences of our valued employees.

About Company

Credit Direct Finance Company Limited

https://creditdirect.seamlesshiring.com

Credit Direct is the Fintech arm of the FCMB Group.