We are seeking a seasoned Lead Risk Data Scientist to spearhead the risk and underwriting capabilities of a fast-growing fintech platform. This senior, hands-on role treats risk, data, and AI/ML as core systems rather than support functions. You will own the design, implementation, and continuous optimization of AI-driven underwriting models, risk scorecards, and portfolio strategies, while shaping the long-term risk management vision at scale. Key responsibilities include building robust risk models, establishing governance and monitoring, and integrating models into automated decisioning workflows. You will collaborate across Product, Data, Engineering, and Finance to deliver scalable risk solutions, manage a small team, and communicate insights to executives and capital providers. Strong communication, strategic thinking, and a practical, execution-oriented mindset are essential to succeed in this role.