Data and Analytics Lead

Data and Analytics Lead

**Data and Analytics Lead**
- **Location**:Sydney CBD, Australia

**Who We Are**:
ClearScore is a global company originating in the UK (global head office) and Australia's #1 free credit score and report app with over 1.6m users. We are also present in New Zealand, South Africa and Canada, with more than 20 million users globally and growing fast. We've changed the credit scoring and credit report market in the countries we operate and our mission is to transform how Aussies and Kiwis manage their personal finances and financial well-being.

First a foremost we are a data company. We offer free credit reports to consumers and help them make better financial decisions, improve their access to credit and better deals. We are user-centric at our core and we believe in leveraging technology and data to enable positive financial choices. We are design-led and data driven and we embed these behaviours in everything we do.

Our company culture is a fundamental part of all we have achieved. We believe in hiring smart, driven, passionate and diverse people who are keen on having a real impact on our customers and our business. We trust you to manage your own time so we offer flexible work and no fixed desk hours. We don't micromanage and we believe in measuring outcomes rather than effort. We have an inclusive culture where all, regardless of seniority, are encouraged to contribute with their ideas, look after their wellbeing and actively seek opportunities for career growth.

**The Role**:
As a Data and Analytics Lead, you will play a key role in managing and delivering analytics and insights, data science/AI/models, reporting and data/segmentation/personalisation requirements for Australia and NZ. This is a broad and highly commercial role focusing on delivering revenue, marketing and CRM outcomes, helping our users make better financial decisions, and our lenders to receive high quality leads.

**Responsibilities include**:

- **Manage the analytics and data function** for Australia and NZ, covering analytics and insights, data science/AI/models, reporting, and data-driven personalization.
- **Engage with global peers** to ensure shared knowledge, consistency, and alignment with the broader analytics strategy. Collaborate with the Analytics Lead (Non-UK GTM) on roadmaps and initiatives.
- **Partner with leadership teams** (Product, Marketing, and Commercial) to optimize business performance and drive growth.
- **Provide strategic decision-making support**, establish learning agendas, deliver board updates, and contribute to annual strategy reviews.
- **Develop and refine predictive models and insights**, including financial forecasting, risk analysis, and customer segmentation.
- **Formulate mathematical and statistical models** to simulate business processes, optimize decision-making, and improve financial outcomes.
- **Design and implement numerical analysis algorithms** to improve forecasting accuracy and customer insights.
- **Define data collection methodologies**, ensure data reliability, and evaluate data sources for analytics and reporting.
- **Perform data mining and data cleansing** to uncover trends and extract insights for business and financial optimization.
- **Build and deploy machine learning frameworks** to enhance personalization, automation, and business intelligence.
- **Manage and mentor a data analyst**, fostering skill development and driving analytical excellence.

**Requirements**:

- 8+ years in credit risk decisioning within lending, analytics, or data science related fields.
- Bachelor in Mathematics/ Statistics
- Ability to understand and synthesise different points of view
- Understanding Data Science Tools, Databricks and SQL
- Strong analytical skills with the ability to interpret data, identify trends, and make data-driven decisions to inform business strategy.
- An understanding of credit/lending landscape, market dynamics, business operations, and the ability to translate insights into actionable strategies that drive profitability and growth.
- Passion and enthusiasm for the problems we are solving, and an ability to use creativity and initiative in pursuit of these goals.
- Ambitious, a high-performance track record, comfortable with ambiguity and ready to take on a lot of responsibility quickly.
- A growth mindset with a passion for learning.
- Experience working within the Financial Services/credit landscape and an understanding of how credit decisions are made is an advantage.
- Understanding of credit risk decisioning process for lenders.

**Benefits**:

- Holidays - 20 paid holidays (plus public holidays) and a "duvet day" on your birthday
- Hybrid Work Environment: flexible work-life balance allowing you to thrive both in the office and from the comfort of your own space.
- Health Insurance - including physical and mental health cover
- Perkbox
- Flexible, generous, and personalised maternity and paternity plans
- Employee Assistance Program
- Mo