Credit Risk Data Specialist

Job Description

Job Description

Job Title: Credit Risk Data Specialist

Job Description: As a Credit Risk Data Specialist, you will be responsible for supporting a portfolio oversight team through highly analytical and technically proficient credit risk data analysis — building and maintaining risk models, producing portfolio performance insights, and supporting data-driven credit risk decision-making for a leading fintech BNPL and financial super-app platform. You will work within a fast-paced, innovative fintech team committed to helping people own their dreams by building the most customer-centric financial super app in the world.

Responsibilities:

• Support a portfolio oversight team with highly analytical and technically proficient credit risk data analysis
• Build and maintain credit risk models, scoring frameworks, and portfolio performance analytics
• Produce regular portfolio monitoring reports covering delinquency, default, and loss trends for management review
• Conduct deep-dive credit risk analysis on BNPL and consumer lending portfolio performance
• Support data-driven credit policy decisions through advanced analytics, scenario modelling, and cohort analysis
• Develop and maintain credit risk data pipelines and reporting frameworks in collaboration with Data Engineering teams
• Apply technical proficiency across SQL, Python, and statistical modelling tools to credit risk analytical challenges
• Contribute to IFRS 9 ECL provisioning calculations and regulatory credit risk reporting as required

Qualifications Needed:

• Highly analytical and technically proficient background in credit risk data analysis within fintech, BNPL, or consumer lending
• Strong proficiency in SQL and Python for credit risk analytics and data pipeline development
• Experience building credit risk models, portfolio monitoring frameworks, and advanced risk analytics
• Understanding of BNPL or consumer credit risk management and applicable regulatory requirements
• Excellent analytical communication skills for presenting credit risk insights to senior stakeholders
• IFRS 9 ECL modelling experience preferred

What the Company Offers:

• Credit Risk Data Specialist role at a leading fintech BNPL and financial super-app platform
• Mission to help people own their dreams by building the most customer-centric financial super app in the world
• Innovators, problem-solvers, and learners — a team driven by curiosity and collaboration
• Saudi Arabia’s first fintech unicorn with operations across KSA, UAE, and Kuwait

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

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