Head of Data & Credit Analytics

About the role

We are seeking a Head of Data & Credit Analytics to build and lead TradePay's decision‑science, fraud, and portfolio‑analytics function from the ground up. Reporting directly to the Founder, you will shape the credit system that powers B2B BNPL experiences across the FMCG supply chain.

Key responsibilities

• Design and own merchant scoring and decisioning frameworks.
• Develop underwriting, fraud detection, and portfolio monitoring models using supplier, marketplace, and behavioral data.
• Optimize credit‑limit allocation, pricing models, and repayment segmentation.
• Build analytical frameworks around SKU velocity, merchant behavior, and transaction frequency.
• Partner with Product and Engineering to embed real‑time decisioning into operational systems and APIs.
• Implement fraud detection logic and merchant anomaly monitoring systems.
• Create dashboards, portfolio reporting, and early‑warning indicators for operational and executive teams.
• Define data pipelines, data‑quality standards, and analytical governance.
• Support AI/ML evolution of the underwriting and risk engine.
• Hire and lead a future data‑science and analytics team.

Required profile

• 6+ years of experience in data science, credit analytics, decisioning, or fintech analytics.
• At least 2 years in a leadership or senior individual‑contributor role.
• Hands‑on technical expertise with strong SQL and Python skills.
• Proven track record building underwriting, fraud, or risk models in fintech, BNPL, SME lending, merchant acquiring, or payments.

Required skills

• SQL
• Python

What we offer

• Opportunity to shape a pioneering credit system for under‑banked merchants.
• Potential career path to Chief Data Officer as the business scales.
• Hands‑on involvement with product, engineering, and executive teams.