Credit Risk Data Specialist

Responsibilities

• Develop portfolio monitoring reports for internal and external communications
• Design and optimize data-driven credit strategies, including underwriting criteria, credit limit assignments, and risk-based pricing
• 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 macroeconomic shifts
• Conduct rigorous A/B testing to evaluate the impact of strategy changes on portfolio profitability and delinquency
• 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 data governance standards
• Partner with cross-functional teams including Data Science, Finance, Product, and Technology to ensure accurate risk reporting

Requirements

• Bachelor’s or Master’s degree in a quantitative field such as Statistics, Data Science, Math, or Quantitative Finance
• 3+ years of post-qualification experience in analytics and/or credit risk
• Proficiency in SQL, Excel (Advanced/VBA), and Tableau
• Familiarity with the end-to-end credit life cycle, including anti-fraud, collections, and merchant health
• Strong analytical skills with the ability to identify data anomalies quickly
• Effective communication skills to present technical insights to non-technical business partners
• Experience in Retail/SME Banking, Fintech, or Credit Ratings is a plus
• Knowledge of Python is considered an advantage

About the Company

Tamara is the leading fintech platform in Saudi Arabia and the wider GCC region, serving millions of users and partnering with global brands like SHEIN, IKEA, and Amazon. As Saudi Arabia’s first fintech unicorn, Tamara is on a mission to build the most customer-centric financial super-app on earth.