Leads the credit risk data science function across underwriting, fraud, loss forecasting, profitability, and portfolio analytics. Owns the model development roadmap and lifecycle, including development, deployment, monitoring, governance, validation, and regulatory readiness. Manages and mentors data science talent, establishes technical standards, partners with cross-functional teams, and translates business objectives into scalable analytical solutions. Guides responsible AI adoption and communicates model performance, risks, and recommendations to senior leadership.