MARINA THEODOSIOU
London,UK
Summary
Results-driven executive leader with 18+ years of experience in financial services, FinTech, and SaaS-based decision engines. Proven ability to scale businesses, drive business transformation, and lead high-performing teams. Expertise in risk pricing, credit risk, fraud prevention, and regulatory compliance. Adept at strategic planning, stakeholder engagement, and operational excellence, ensuring sustainable revenue growth and market expansion.
Overview
11
11
years of professional experience
1
1
Certification
Work history
Founding Chief Data Scientist
Two.inc
London, UK
09.2021 - 02.2025
- Designed and led the execution of the fraud and credit strategy, overseeing the development of in-house AI-powered credit and fraud engines for B2B BNPL transactions
- Achieved 0% third-party fraud rates and on-target credit loss rates, optimizing risk mitigation while scaling transaction volumes
- Built and led a multi-disciplinary team of data scientists, engineers, and ML specialists, driving innovation in decision automation
- Led the commercialization of risk engines as SaaS products, adopted by international enterprises and outperforming market solutions
- Provided strategic leadership across risk, compliance, and financial performance, ensuring alignment with business objectives
Head of Credit & Fraud Decision Science
Oodle Car Finance
London, UK
03.2019 - 09.2021
- Built and led a 24-member team managing loan origination, pricing, risk, and fraud prevention functions
- Developed advanced risk models and decision systems, reducing default rates and enhancing underwriting efficiency
- Worked closely with executive leadership and investors, driving sustainable credit growth strategies
Head of Credit Decision Science
Monzo Bank
London, UK
08.2018 - 03.2019
- Led the Decision Science function, focusing on credit risk, affordability, and compliance strategies
- Designed credit scorecards and risk models, ensuring regulatory compliance and optimal lending performance
Credit Risk Manager
Aire Labs
01.2014 - 12.2014
- Oversaw credit risk strategy, delivering multiple credit risk and affordability evaluations
- Developed affordability and financial distress models, implementing them for a Tier-1 UK bank's credit card portfolio
Head of Decision Science
Salary Finance
01.2014 - 12.2014
- Led the development of the company's credit risk strategy and automated decision engines from the ground up
- Managed credit risk policy rules, affordability assessments, and KYC/AML verification systems
Risk & Analytics Manager
Funding Circle
01.2014 - 12.2014
- Led the Risk & Analytics team, overseeing the monitoring and updating of proprietary credit risk models
- Initiated automation projects to improve cost-efficiency and accuracy in decision processes
Education
Masters - MORSE (Mathematics, Operational Research, Statistics, and Economics)
University of Warwick
WarwickPhD - Quantitative Finance
Imperial College Business School
Skills
- Executive Leadership
- Business Strategy / Transformation
- FinTech
- SaaS / Software Solutions
- Credit Risk Management
- Fraud Prevention
- Regulatory Compliance
- AI
- Data-Driven Decision Engines
- Market Expansion
- Team Leadership
- Cross-Functional Management
- Investor Relations
- Stakeholder Relations
- Machine Learning
- Data Visualisation
- Data analysis
- R Language
- SQL
- BigQuery
- Python for data science
- Machine learning
- Complex problem-solving
- R programming
- Time-series analysis
- Risk Assessment
- Critical-thinking
- Hypothesis testing
- Financial mathematics
- Project Management
Certification
- MLRO (Money Laundering Reporting Officer) Experience, Familiar with UK & EU regulatory frameworks.
- Financial Risk & Compliance Leadership, Extensive background in ensuring adherence to FCA and EU financial regulations.
References
References available upon request.
Timeline
Founding Chief Data Scientist
Two.inc
09.2021 - 02.2025
Head of Credit & Fraud Decision Science
Oodle Car Finance
03.2019 - 09.2021
Head of Credit Decision Science
Monzo Bank
08.2018 - 03.2019
Credit Risk Manager
Aire Labs
01.2014 - 12.2014
Head of Decision Science
Salary Finance
01.2014 - 12.2014
Risk & Analytics Manager
Funding Circle
01.2014 - 12.2014
Masters - MORSE (Mathematics, Operational Research, Statistics, and Economics)
University of Warwick
PhD - Quantitative Finance
Imperial College Business School
Similar Profiles
MEHMET KOCAKERIMMEHMET KOCAKERIM
Founder and Managing Member at Nehir Residences LLCFounder and Managing Member at Nehir Residences LLC
AISHWARYA TORANEAISHWARYA TORANE
Hospitality Associate at The Regenza by TungaHospitality Associate at The Regenza by Tunga
Georgi ValchevGeorgi Valchev
Group Accountant - associate at ICGGroup Accountant - associate at ICG
Patricia OliveiraPatricia Oliveira
Art Handler at ROYAL ACADEMY OF ARTSArt Handler at ROYAL ACADEMY OF ARTS
Brian DavisBrian Davis
Branch Chief, Data Scientist (GS14) at U.S. Army Human Resource Command (AHRC)Branch Chief, Data Scientist (GS14) at U.S. Army Human Resource Command (AHRC)