Credit Risk Data Specialist

Job Description

Job Description

Job Title: Credit Risk Data Specialist

Job Description: The specialist manages the health and performance of Tamara’s credit portfolio by developing portfolio monitoring reports, designing data-driven credit strategies, conducting A/B testing on risk strategy changes, and partnering with Data Science, Finance, Product, and Technology teams to ensure credit risk data accuracy across reporting systems.

Responsibilities:

• Develop Portfolio Monitoring reports for internal and external communications
• Design and optimize data-driven credit strategies including underwriting criteria, credit limit assignments, risk-based pricing, and merchant risk strategy
• Conduct deep-dive analysis on risk exposure versus profitability to identify opportunities for product expansion or de-risking
• Develop and track Early Warning Indicators to detect abnormal risk trends and shifts in macroeconomic conditions
• Conduct rigorous A/B testing to verify hypotheses and evaluate the impact of strategy changes on portfolio profitability and delinquency
• Build and optimize automated data pipelines to enhance efficiency and scalability of risk monitoring
• Perform continuous system analysis to identify data inconsistencies and drive data governance improvements
• Partner with Data Science, Data, Finance, Product, and Technology teams to ensure credit risk data is correctly accounted for in reporting

Qualifications Needed:

• Bachelor’s or Master’s degree in a quantitative field (Statistics, Data Science, Math, Quantitative Finance, or related)
• 3+ years of post-qualification experience in analytics and/or credit risk
• Strong analytical skills and experience in data management
• Prior experience in Retail/SME Banking, Fintech, or Credit Ratings is a plus
• Familiarity with the end-to-end credit lifecycle including anti-fraud, collections, merchant health, and post-loan management
• Proficiency in SQL, Excel (Advanced/VBA), PowerPoint, Tableau; Python optional
• Exceptional attention to detail with ability to identify data anomalies quickly
• Effective communication skills to present technical insights to non-technical business partners
• Ability to navigate ambiguity, develop testable hypotheses, and drive actionable insights

What the Company Offers:

• Role at the credit intelligence core of Saudi Arabia’s leading fintech unicorn serving millions of users
• Direct impact on portfolio strategy and risk decisioning across BNPL and banking products
• Dubai-based role within a GCC-wide fintech operation backed by the Public Investment Fund (PIF)
• Diverse, global team across Riyadh, UAE, Egypt, Germany, and Vietnam
• High-growth fintech environment with strong career mobility and cross-functional exposure

Are you interested in this position? Apply by clicking on the “Apply Now” button below!

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