Credit & Underwriting Lead (Open Banking)

Job Description

Job Title: Credit & Underwriting Lead (Open Banking)

Job Description: The Credit & Underwriting Lead will own strategy, standardization, and cross-functional alignment to ensure fit-for-use credit data for underwriting processes in regulated markets. Working with Lean’s Open Finance data infrastructure — connecting billions of dollars in transactions across 350+ clients — the Lead will build the credit decisioning layer that powers MENA’s next generation of lending products.

Responsibilities:

• Lead the Credit & Underwriting squad to transform Open Banking data into structured credit signals for lending decisions
• Own strategy, standardization, and cross-functional alignment to ensure data is fit-for-use across underwriting processes in regulated markets
• Design and build credit data pipelines, enrichment models, and underwriting frameworks using transaction and account data from Lean’s Open Finance APIs
• Partner with Product, Engineering, and Data teams to embed credit intelligence into Lean’s lending infrastructure
• Engage with clients (banks, fintechs, lenders) on credit data use cases and support their integration journeys
• Ensure regulatory compliance with SAMA Open Finance requirements and applicable credit data governance standards
• Define and track KPIs for credit signal quality, model performance, and underwriting efficiency
• Build and mentor the Credit & Underwriting team as the function scales

Qualifications Needed:

• Significant experience in credit risk, underwriting, or financial data within fintech, banking, or lending
• Strong hands-on experience with Open Banking data, transaction enrichment, or financial data analytics
• Proficiency in data analysis tools (SQL, Python) and familiarity with credit scoring methodologies
• Deep understanding of MENA credit markets, consumer or SME lending dynamics, and applicable regulations
• Proven ability to lead cross-functional technical teams and own end-to-end product/data initiatives
• Excellent communication skills in English; Arabic is a strong advantage
• Track record of building data-driven lending or credit frameworks from early stage

What the Company Offers:

• First-mover opportunity at the region’s only SAMA-licensed Open Finance company
• Meaningful equity stake in the business for every team member
• Competitive salary and private healthcare
• Backed by General Catalyst, Sequoia, and Shorooq — $67.5M Series B with active expansion
• 130+ person team from 30+ nationalities
• Role shaping credit infrastructure for an entirely new asset class in MENA

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

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