Director, Data Science – Credit Risk, AI

Aqua Finance, Inc.

Director leading credit-risk data science and AI for Aqua Finance’s consumer financing programs. Owning model roadmaps, governance, and production analytics for profitable lending growth.

Posted 8/20/2026full-timeIllinois, Minnesota, North Carolina • 🇺🇸 United StatesLeadWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Expertise in credit risk data science, including model development, validation, and governance, with a strong focus on machine learning and statistical modeling. Proven ability to lead cross-functional teams and translate business objectives into effective analytical strategies.

Highest-signal resume keywords

Credit Risk AnalyticsMachine LearningModel Development Lifecycle ManagementSQLPython

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Statistical ModelingModel ValidationModel GovernanceData ScienceAdvanced AnalyticsFeature EngineeringLoss ForecastingPortfolio ManagementFraud DetectionRegression Analysis

Soft Skills

Executive CommunicationMentorshipLeadershipCollaborationInfluencing Skills

Tools & Technologies

AI-Assisted Analytical ToolsData Engineering ToolsAnalytical EnvironmentsGovernance Reporting ToolsDocumentation Tools

Industry Keywords

Consumer LendingFintechBankingCredit RiskRegulatory ComplianceQuantitative AnalysisOperational EfficiencyCredit DecisioningPortfolio PerformanceEmerging Methodologies

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Own and execute the credit risk data science roadmap across underwriting, default and delinquency risk, fraud, profitability, portfolio performance, and loss forecasting
Lead and prioritize model development initiatives throughout the full model lifecycle, including design, development, validation, deployment, monitoring, and ongoing performance management
Lead, coach, and develop data science talent by establishing technical standards, reviewing analytical approaches, providing mentorship, and ensuring consistent, high-quality execution
Establish and maintain model development standards, documentation requirements, governance routines, and monitoring frameworks for credit decisioning and risk models
Partner with Credit Strategy leadership to translate business objectives into analytical strategies that improve credit decision quality, portfolio performance, profitability, and operational efficiency
Guide the application of machine learning, statistical modeling, regression, segmentation, champion/challenger testing, and experimental frameworks to evaluate and optimize credit policies and model changes
Oversee the development of scalable modeling datasets, feature pipelines, and analytical environments that support production decisioning, model development, and experimentation
Collaborate with Data Engineering, IT, Risk, Compliance, Operations, and external data providers to deploy, maintain, and enhance production models and decisioning capabilities
Establish processes to monitor model performance, drift, stability, and business outcomes, and lead remediation or enhancement efforts when performance changes
Communicate model strategy, performance, risks, tradeoffs, and recommendations to senior leadership, governance forums, and cross-functional stakeholders
Lead the responsible adoption of modern AI and AI-assisted tools to improve analytical productivity, model development, documentation, governance reporting, and knowledge sharing
Ensure models and analytical work are appropriately documented and prepared to support independent validation, audit, compliance, and regulatory review
Stay current on emerging methodologies, technologies, data sources, and industry practices related to consumer credit risk, data science, machine learning, and artificial intelligence
Aqua Finance delivers flexible consumer financing programs for clean water, home renovations, and outdoor purchases across the U.S.

Requirements

What you’ll need

Bachelor’s degree in Mathematics, Statistics, Engineering, Computer Science, Data Science, or another quantitative STEM discipline, or commensurate work experience required
7 years of experience in consumer lending, fintech, banking, credit risk analytics, data science, or related quantitative field
3 years of experience leading data science, credit risk modeling, advanced analytics, or model governance initiatives, including demonstrated leadership of technical talent and/or complex analytical programs
Demonstrated experience developing, deploying, monitoring, and governing models supporting underwriting, credit risk, fraud, profitability, portfolio management, or loss forecasting
Advanced proficiency with SQL and Python
Strong knowledge of machine learning, statistical modeling, and production model lifecycle management
Strong understanding of model development documentation, monitoring, independent validation, audit, governance, and regulatory expectations within a lending or financial services environment
Demonstrated ability to translate business problems into analytical solutions and evaluate model performance in the context of both risk and financial outcomes
Proven ability to lead complex, cross-functional initiatives involving Credit, Risk, Compliance, IT, Data Engineering, Operations, and external partners
Strong executive communication and influencing skills, with the ability to translate complex analytical concepts and model outputs into clear business insights, risks, tradeoffs, and recommendations
Demonstrated ability to mentor and develop technical talent, establish analytical best practices, and raise technical standards across a team
Demonstrated fluency with AI-assisted analytical, development, documentation, and productivity tools, including an understanding of responsible and governed AI use
Ability to sit for long periods of time and work on a computer 90% of the time

Benefits

Comp & perks

🌐 Worldwide ❌ Jobs You've Hidden ⭐️ Saved Jobs ✅ Applied Jobs ✉️ Email Alerts 👤 Account Aqua Finance, Inc. Website LinkedIn All Job Openings 201 - 500 employees Founded 1985 🏗️ Construction 🏥 Healthcare 🏨 Hospitality Construction
Healthcare
Hospitality Aqua Finance, Inc. is a financial services company that specializes in providing consumer financing solutions to facilitate access to various home improvement projects and recreational products. They focus on diverse areas such as water treatment, HVAC systems, pools, spas, and general home renovations, helping dealers and customers make significant life enhancements more affordable. With a commitment to customer service, Aqua Finance partners with dealers to ensure a smooth and transparent financing process for borrowers. Director, Data Science – Credit Risk, AI Job not on LinkedIn 🔥 2 minutes ago 🏢 null – Onsite ⏰ Full Time 🔴 Lead 📊 Data Scientist 👻 Ghost score 10% Apply Now Customize resume + cover letter Report problem ☆ Save ☑️ Mark as applied ❌ Hide 📋 Description
Own and execute the credit risk data science roadmap across underwriting, default and delinquency risk, fraud, profitability, portfolio performance, and loss forecasting
Lead and prioritize model development initiatives throughout the full model lifecycle, including design, development, validation, deployment, monitoring, and ongoing performance management
Lead, coach, and develop data science talent by establishing technical standards, reviewing analytical approaches, providing mentorship, and ensuring consistent, high-quality execution
Establish and maintain model development standards, documentation requirements, governance routines, and monitoring frameworks for credit decisioning and risk models
Partner with Credit Strategy leadership to translate business objectives into analytical strategies that improve credit decision quality, portfolio performance, profitability, and operational efficiency
Guide the application of machine learning, statistical modeling, regression, segmentation, champion/challenger testing, and experimental frameworks to evaluate and optimize credit policies and model changes
Oversee the development of scalable modeling datasets, feature pipelines, and analytical environments that support production decisioning, model development, and experimentation
Collaborate with Data Engineering, IT, Risk, Compliance, Operations, and external data providers to deploy, maintain, and enhance production models and decisioning capabilities
Establish processes to monitor model performance, drift, stability, and business outcomes, and lead remediation or enhancement efforts when performance changes
Communicate model strategy, performance, risks, tradeoffs, and recommendations to senior leadership, governance forums, and cross-functional stakeholders
Lead the responsible adoption of modern AI and AI-assisted tools to improve analytical productivity, model development, documentation, governance reporting, and knowledge sharing
Ensure models and analytical work are appropriately documented and prepared to support independent validation, audit, compliance, and regulatory review
Stay current on emerging methodologies, technologies, data sources, and industry practices related to consumer credit risk, data science, machine learning, and artificial intelligence
Aqua Finance delivers flexible consumer financing programs for clean water, home renovations, and outdoor purchases across the U.S. 🎯 Requirements
Bachelor’s degree in Mathematics, Statistics, Engineering, Computer Science, Data Science, or another quantitative STEM discipline, or commensurate work experience required
7 years of experience in consumer lending, fintech, banking, credit risk analytics, data science, or related quantitative field
3 years of experience leading data science, credit risk modeling, advanced analytics, or model governance initiatives, including demonstrated leadership of technical talent and/or complex analytical programs
Demonstrated experience developing, deploying, monitoring, and governing models supporting underwriting, credit risk, fraud, profitability, portfolio management, or loss forecasting
Advanced proficiency with SQL and Python
Strong knowledge of machine learning, statistical modeling, and production model lifecycle management
Strong understanding of model development documentation, monitoring, independent validation, audit, governance, and regulatory expectations within a lending or financial services environment
Demonstrated ability to translate business problems into analytical solutions and evaluate model performance in the context of both risk and financial outcomes
Proven ability to lead complex, cross-functional initiatives involving Credit, Risk, Compliance, IT, Data Engineering, Operations, and external partners
Strong executive communication and influencing skills, with the ability to translate complex analytical concepts and model outputs into clear business insights, risks, tradeoffs, and recommendations
Demonstrated ability to mentor and develop technical talent, establish analytical best practices, and raise technical standards across a team
Demonstrated fluency with AI-assisted analytical, development, documentation, and productivity tools, including an understanding of responsible and governed AI use
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