Credit Policy Analyst

Job Description

Job Description

Job Title: Credit Policy Analyst

Job Description: The Credit Policy Analyst will develop credit policies covering underwriting criteria, credit limits, eligibility rules, and risk-based pricing — using quantitative analysis, model outputs, and market insights to optimize policies across the full credit lifecycle.

Responsibilities:

• Design, implement, and continuously optimize credit policies across Tamara’s BNPL products including underwriting criteria, credit limits, eligibility rules, and risk-based pricing
• Conduct quantitative analysis of portfolio performance data to identify policy improvement opportunities
• Partner with Data Science to evaluate model outputs and translate them into actionable policy recommendations
• Monitor credit policy performance against KPIs including approval rates, delinquency, default, and profitability metrics
• Conduct A/B tests on credit policy changes and evaluate their impact on portfolio performance
• Develop credit policy documentation and governance frameworks ensuring alignment with SAMA regulatory requirements
• Work cross-functionally with Collections, Finance, Engineering, and Product teams on policy implementation and monitoring
• Stay current on MENA consumer credit market trends and regulatory developments

Qualifications Needed:

• 2–5 years of experience in credit risk, credit policy, or analytical roles within fintech, consumer lending, or banking
• Strong analytical skills with proficiency in SQL and Python for data analysis
• Experience with credit risk frameworks, underwriting criteria design, and portfolio monitoring
• Familiarity with BNPL, consumer credit, or digital lending products preferred
• Understanding of Saudi Arabia consumer credit regulatory environment (SAMA) is a strong advantage
• Excellent attention to detail and strong written communication for policy documentation

What the Company Offers:

• Credit policy role at Saudi Arabia’s first fintech unicorn with millions of active borrowers
• Direct impact on portfolio strategy across KSA, UAE, and Kuwait
• PIF-backed company at the forefront of fintech innovation in Saudi Arabia and the GCC
• 40+ nationality team with cross-border collaboration and career growth opportunities

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

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