Overall Purpose of the Role : The Head of Scorecard Development is responsible for leading the design, development, calibration, and governance of credit risk models and decisioning frameworks across products and markets.

This role sits within the centralized Credit Analytics Centre of Excellence and is accountable for building best‑in‑class models that enable Lending Heads (in-country P&L owners) to define and execute optimal credit strategies.

The role combines deep technical expertise with strong commercial understanding, ensuring that models are not only statistically robust, but also effectively translated into business decisions that drive portfolio profitability and resilience.

Requirements

Experience and Skills Required

• 10+ years in credit risk modelling, scorecards, or decision analytics
• Proven experience building and deploying models in automated lending environments

Deep Expertise in