Credit Risk Data Specialist

Job Description

Job Description

Job Title: Credit Risk Data Specialist

Job Description: Seeking a highly analytical and technically proficient Credit Risk Data Analyst to support the Portfolio Oversight team. Responsible for managing the health and performance of the credit portfolio, building data infrastructure for risk reporting, translating complex datasets into actionable strategies for underwriting, limit management, and loss forecasting. Partners with Data Science, Data, Finance, Product, and Technology teams. Tamara serves millions of users across KSA, UAE, and Kuwait.

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.
• Assess business operations and market trends to enhance competitive positioning.
• Build and optimize automated data pipelines to enhance the efficiency and scalability of risk monitoring.
• Perform continuous system analysis to identify data inconsistencies and drive initiatives that elevate data governance standards.
• Partner with cross-functional teams (Data Science, Data, Finance, Product, Technology) 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 handling 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, and Tableau; Python is optional.
• Exceptional attention to detail with the 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 Saudi Arabia’s first fintech unicorn serving millions across KSA, UAE, and Kuwait.
• Based in Dubai working with a cross-functional, globally distributed team.
• Opportunity to shape portfolio risk infrastructure for one of the GCC’s most valued fintech platforms.
• Work with leading global brands: Amazon, noon, IKEA, SHEIN, Jarir.
• Backed by PIF (Sanabil Investments), SNB Capital, and Checkout.com.

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

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