Senior Director, Credit Risk and Analytics

Who we are is what we do. Deel is the all-in-one payroll and HR platform for global teams. Our vision is to unlock global opportunity for every person, team, and business. Built for the way the world works today, Deel combines HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. With AI-powered tools and a fully owned payroll infrastructure, Deel supports every worker type in 150+ countries—helping businesses scale smarter, faster, and more compliantly. Among the largest globally distributed companies in the world, our team of 7,000 spans more than 100 countries, speaks 74 languages, and brings a connected and dynamic culture that drives continuous learning and innovation for our customers. Why should you be part of our success story? As the fastest-growing Software as a Service (SaaS) company in history, Deel is transforming how global talent connects with world-class companies – breaking down borders that have traditionally limited both hiring and career opportunities. We're not just building software; we're creating the infrastructure for the future of work, enabling a more diverse and inclusive global economy. In 2024 alone, we paid $11.2 billion to workers in nearly 100 currencies and provided healthcare and benefits to workers in 109 countries—ensuring people get paid and protected, no matter where they are. Our momentum is reflected in our achievements and customer satisfaction: CNBC Disruptor 50, Forbes Cloud 100, Deloitte Fast 500, and repeated recognition on Y Combinator's top companies list – all while maintaining a 4.83 average rating from 15,000 reviews across G2, Trustpilot, Captera, Apple and Google. Your experience at Deel will be a career accelerator. At the forefront of the global work revolution, you'll tackle complex challenges that impact millions of people's working lives. With our momentum—backed by a $17.3 billion valuation and $1 B in Annual Recurring Revenue (ARR) in just over five years—you'll drive meaningful impact while building expertise that makes you a sought-after leader in the transformation of global work. About the role: Lead and scale the Credit Risk & Analytics function driving AI/ML-based underwriting, real-time portfolio monitoring, collections strategy, and risk-adjusted performance across Deel’s portfolio. You’ll build predictive, real-time analytics systems, operationalize models with Product & Engineering teams, and embed governance and compliance into every step. Your work will shape underwriting strategy, support sustainable growth, and serve overlooked segments. Responsibilities: Build and maintain a credit risk analytics capability to provide timely, actionable insights for portfolio optimisation, loss forecasting, and provision adequacy. Lead iterative development of underwriting and pricing models - from evaluating AI/ML algorithms, sourcing alternative data to production deployment and continuous optimization with cross-functional partners. Identify and integrate non-traditional data sources (e.g., transactional, behavioural) to boost predictive accuracy and credit access for underserved markets. Architect real time monitoring frameworks and automated alerting systems for portfolio health, KRIs, concentration exposure, and collections performance. Ensure proactive risk identification for new products, markets, or customer segments. Design and execute A/B testing frameworks for new underwriting/scoring criteria, pricing, and customer segments. Develop and implement credit risk governance processes, including Credit Committees, actionable reporting and escalation protocols. Ensure models and analytics pipelines are auditable, scalable, deployment-ready, and aligned with best practices. Collaborate with Product, Sales, Operations, Compliance, and Engineering to align underwriting strategy with business objectives and economic levers. Employ predictive analytics to improve collections strategy, focusing on customer outcomes and recovery efficiency. Enable risk-awareness and analytics literacy across teams via workshops, training, and documentation. Skills and Competencies A minimum of 15 years in credit risk management, including leadership roles in consumer and small business lending Hands-on experience building, validating, deploying AI/ML underwriting or scoring models. Experience leveraging alternative data sets for Consumer and SME lending. Demonstrated success in managing credit risk for new products, markets, and customer segments. Strong leadership, with ability to train non‑technical stakeholders in analytics and risk concepts. Degree in Finance, Economics, Risk Management, Statistics, or related field; Master’s preferred. Relevant certifications (e.g., CFA, FRM, PRM) will be considered a strong advantage. Total Rewards Our workforce deserves fair and competitive pay that meets them where they are. With scalable benefits, rewards, and perks, our total rewards programs reflect our commitment to inclusivity and access for all. Our salary range reflects gross base salary. For commercial roles with commission eligibility, this figure represents On-Target Earnings (OTE), inclusive of base salary and target commission. Salary ranges are quoted in USD as a consistent global reference. Your offer will be localized to your country's currency using a market-aligned conversion. Final pay is based on objective, job-related criteria including experience, skills, and location. We don't ask about salary history. Offers are based on the role and what you bring to it. Some things you'll enjoy Stock grant opportunities dependent on your role, employment status and location Additional perks and benefits based on your employment status and country The flexibility of remote work, including optional WeWork access At Deel, we're an equal-opportunity employer that values diversity and positively encourage applications from suitably qualified and eligible candidates regardless of race, religion, sex, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, pregnancy or maternity or other applicable legally protected characteristics. Unless otherwise agreed, we will communicate with job applicants using Deel-specific emails, which include @ deel.com and other acquired company emails like @ payspace.com and @ paygroup.com. You can view the most up-to-date job listings at Deel by visiting our careers page. Deel welcomes persons with disabilities to apply to any of our open roles. We will provide application and/or interview accommodations on request throughout the recruitment, selection and assessment process for applicants with disabilities or other needs. If you require application and/or interview accommodations, please inform our Talent Acquisition Team via email ( recruiting@deel.com ) and a team member will be in touch to ensure your equal participation. As part of our hiring process, we primarily rely on interviews and role-related assessments. In limited cases, we may also consider informal background information relevant to the role, in line with our privacy and fairness obligations. This application process may utilise Automated Employment Decision Tools (AEDT) and AI systems to assist in evaluating candidates based on experience level, technical skills and qualifications. This processing is conducted in compliance with applicable Data Protection, AI Governance and Labour Laws. We ensure human oversight is maintained in all final hiring decisions. Your personal data is not used to train AI models. For more information on how we process your personal data, please see our Recruitment Privacy Policy. For NYC Residents: In accordance with NYC Local Law 144, an independent bias audit has been conducted on AEDT