Data Scientist – Credit Risk

Job Description

Job Description

Job Title: Data Scientist – Credit Risk

Job Description: The Data Scientist will build, evaluate, and deploy ML models covering credit scoring, fraud detection, and risk segmentation — working at the intersection of data science, financial risk, and product development to make Tamara’s credit decisioning smarter and more accurate.

Responsibilities:

• Build, validate, and deploy ML models for credit scoring, underwriting, and risk segmentation across Tamara’s BNPL product
• Develop feature engineering frameworks using transaction data, behavioral signals, open banking data, and alternative data sources
• Design and conduct A/B tests on model changes and underwriting strategy adjustments — measuring impact on approval rates, default rates, and profitability
• Partner with the Credit Policy team to translate model outputs into actionable underwriting and credit limit policies
• Monitor model performance, detect drift, and implement continuous improvement processes
• Build model interpretability tools and explainability frameworks for regulatory and internal governance requirements
• Work with Data Engineering teams to ensure model training pipelines and scoring infrastructure are scalable and production-ready
• Stay current on credit risk ML methodologies, alternative data applications, and regulatory AI/ML requirements

Qualifications Needed:

• 3–6 years of data science experience with a focus on credit risk, financial risk modelling, or ML for lending
• Strong proficiency in Python (scikit-learn, XGBoost, LightGBM, TensorFlow, or PyTorch) for ML model development
• Deep understanding of credit risk modelling methodologies — scorecard development, PD/LGD modelling, and IFRS 9 ECL
• Experience with SQL, feature stores, and large-scale structured and unstructured data processing
• Experience deploying ML models to production environments in a regulated financial services context
• Understanding of SAMA consumer credit regulatory requirements and AI/ML governance frameworks is preferred
• Must be based in or willing to relocate to Riyadh; Arabic language skills preferred

What the Company Offers:

• ML and credit risk role at Saudi Arabia’s first fintech unicorn with millions of BNPL decisions per day
• Direct impact on credit intelligence for KSA, UAE, and Kuwait markets
• PIF-backed, fast-scaling company with engineering teams across Riyadh, UAE, Egypt, Germany, and Vietnam
• Competitive compensation and career growth in one of MENA’s most prominent fintech organizations

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

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