Senior Manager - Credit Risk

About the Company

Tamara is the leading fintech platform in Saudi Arabia and the wider GCC region, on a mission to build the most customer-centric financial super-app on earth. As Saudi Arabia’s first fintech unicorn, we serve millions of users and partner with global brands like SHEIN, Amazon, and IKEA. We are backed by major investors including Sanabil Investments (a PIF company) and SNB Capital.

Responsibilities

• Develop and implement credit risk policies, strategies, and procedures to safeguard financial interests.
• Assess applicant creditworthiness using scoring models, credit reports, and financial analysis.
• Monitor credit exposure, delinquency rates, and overall portfolio performance.
• Optimize risk and pricing strategies to maximize profitability while minimizing losses.
• Design and execute fraud prevention strategies and controls to detect suspicious activity.
• Utilize data analytics to identify emerging risk trends and implement data-driven decision-making.
• Collaborate with product, engineering, and compliance teams to integrate risk measures into product design.
• Prepare regular reports and dashboards for senior management communication.

Requirements

• Bachelor's degree in Finance, Risk Management, or a related field.
• 8+ years of proven experience in credit risk management and fraud prevention.
• Strong proficiency in data analysis and risk modeling.
• Deep understanding of credit scoring models, underwriting processes, and fraud detection methods.
• Solid knowledge of financial regulations and compliance requirements.
• Excellent analytical, problem-solving, and communication skills.

Preferred Qualifications

• Experience working within the Fintech industry.
• Master's degree in a relevant field.
• Professional certifications such as FRM (Financial Risk Manager) or CFE (Certified Fraud Examiner).
• Familiarity with advanced risk management software and tools.