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About the Role
Join Pepper Money's Data, Analytics & AI team as a Senior Data Scientist to drive smarter lending and credit risk decisions through advanced analytics and modelling. You will develop and enhance analytical models, deliver portfolio insights, and support key initiatives across credit risk, scorecards, Expected Credit Loss (ECL) modelling and IFRS 9 reporting. This role offers the opportunity to solve complex business problems, influence strategic decision-making, and contribute to innovative, data-driven outcomes.
Responsibilities
- Develop and enhance credit risk, scorecard and predictive analytical models
- Deliver portfolio performance insights and recommendations to stakeholders
- Support ECL and IFRS 9 modelling, forecasting and provisioning analysis
- Monitor model performance and identify opportunities for optimisation
- Partner with Credit Risk, Finance, Product and Technology teams on key initiatives
- Translate complex analytical findings into practical business recommendations
- Contribute to model governance, validation and continuous improvement activities
Requirements
- Degree qualified in Statistics, Mathematics, Actuarial Studies, Data Science, Finance or a related discipline
- Experience in data science, credit risk modelling, portfolio analytics or financial services analytics
- Strong capability with SQL and analytical tools such as Python, R or SAS
- Experience developing, monitoring and improving predictive models or scorecards
- Exposure to ECL, IFRS 9, PD, LGD or related credit risk methodologies is highly regarded
- Strong stakeholder engagement and communication skills
- Ability to translate complex analysis into actionable business insights
- A proactive mindset with a focus on continuous improvement and quality outcomes
Skills
- SQL
- Python
- R
- SAS
- Data Science
- Credit Risk Modelling
- Portfolio Analytics
- Financial Services Analytics
- Predictive Models
- Scorecards
- ECL
- IFRS 9
- PD
- LGD
- Stakeholder Engagement
- Communication
Location
- Hybrid
Work Type
- Hybrid
Experience Level
- Senior
Education Level
- Degree qualified
Benefits
- Development opportunities
- Spice Reward and Recognition Program
- DE&I initiatives
- Hybrid working model
- Flexible parental leave policies
- Purchased leave options
- Free gym membership
- Discounted health insurance policies
- Novated leasing
- Staff loan rates
- Referral Bonus ($2000)
About the Company
- Pepper Money has over 26 years of experience helping people achieve their goals.
- We are one of Australia and New Zealand's leading non-bank lenders, supporting over half a million customers.
- Our growth and success are driven by our people, partnerships, and a willingness to do things differently.
- Our values are Can Do, Balanced, and Real.
- We are proud of the inclusive and diverse workplace we've built, creating a culture where people feel respected, supported, and able to be themselves.