Credit Risk Data Specialist

Job Description

Job Description

Job Title: Credit Risk Data Specialist

Job Description:The Credit Risk Data Specialist will develop portfolio monitoring reports, design data-driven credit strategies, conduct A/B testing, build automated data pipelines, and partner with cross-functional teams to ensure risk data integrity.

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 expansion or de-risking opportunities
• Develop and track Early Warning Indicators to detect abnormal risk trends and macroeconomic shifts
• Conduct rigorous A/B testing to 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 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 represented in reporting

Qualifications Needed:

• Bachelor’s or Master’s degree in Statistics, Data Science, Math, Quantitative Finance, or a related quantitative field
• 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 life cycle (anti-fraud, collections, merchant health, post-loan management)
• Proficiency in SQL, Excel (Advanced/VBA), PowerPoint, Tableau; Python is optional but valued
• Exceptional attention to detail with ability to identify data anomalies quickly
• Effective communication skills for presenting technical insights to non-technical stakeholders
• Ability to navigate ambiguity and drive actionable insights

What the Company Offers:

• Not explicitly listed; role based in Tamara’s Dubai office
• Direct work with Portfolio Oversight, Data Science, Finance, and Product teams
• Impact on the credit strategy of GCC’s leading BNPL fintech platform

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

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