Credit Risk Data Specialist

Job Description

Job Title: Credit Risk Data Specialist

Job Description: Support Tamara’s Portfolio Oversight team by managing the health and performance of the credit portfolio. Build the single source of truth for risk data and translate complex datasets into actionable strategies for underwriting, limit management, and loss forecasting.

Responsibilities:

• Develop Portfolio Monitoring reports for internal and external communications
• Design and optimise 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 optimise automated data pipelines to enhance the efficiency and scalability of risk monitoring
• Perform continuous system analysis to identify data inconsistencies and drive data governance improvements
• Partner with Data Science, Finance, Product, and Technology teams to ensure credit risk data is correctly reflected in reporting

Qualifications Needed:

• Bachelor’s or Master’s degree in a quantitative field (Statistics, Data Science, Mathematics, Quantitative Finance, or related)
• 3+ years of post-qualification experience in analytics and/or credit risk
• Prior experience in Retail/SME Banking, Fintech, or Credit Ratings is a plus
• Familiarity with the end-to-end credit life cycle including anti-fraud, collections, and post-loan management
• Proficiency in SQL, Excel (Advanced/VBA), PowerPoint, Tableau; Python is optional
• Exceptional attention to detail; ability to identify data anomalies quickly
• Strong communication skills to present technical insights to non-technical stakeholders

What the Company Offers:

• Role at Tamara — Saudi Arabia’s first fintech unicorn, backed by PIF’s Sanabil Investments, SNB Capital, and Checkout.com
• Dubai-based full-time position within the Portfolio Oversight team
• Exposure to one of the GCC’s fastest-growing fintech super-app platforms serving millions of users

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

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