Senior Data Scientist

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
• Partner with cross-functional teams including Data Science, Finance, Product, and Technology to ensure data accuracy in reporting

Requirements

• Bachelor’s or Master’s degree in a quantitative field (Statistics, Data Science, Math, Quantitative Finance, or related)
• 3+ years of post-qualification experience in analytics or credit risk
• Proficiency in SQL, Excel (Advanced/VBA), and Tableau
• Strong analytical skills and experience in data management
• Familiarity with the end-to-end credit life cycle, including anti-fraud, collections, and merchant health
• Exceptional attention to detail and the ability to identify data anomalies quickly
• Effective communication skills to present technical insights to non-technical business partners

Preferred Qualifications

• Prior experience in Retail/SME Banking, Fintech, or Credit Ratings
• Proficiency in Python

About the Company

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