We are hiring a Credit Risk Manager to own the credit risk strategy for a revolving lending product. You will decide who we lend to, how much and on what terms, so the portfolio grows within risk appetite.
Key responsibilities - Own the credit risk policy for the product: underwriting rules, approval criteria and risk appetite.
- Manage application scorecards with data science, from development and validation to cutoff setting and monitoring.
- Design credit limit and exposure strategy across customer segments.
- Own fraud prevention rules at onboarding and disbursement, working with fraud and engineering teams.
- Monitor portfolio performance, including approval rates, early delinquency, roll rates and losses, and act on emerging trends.
- Run tests on rules, cutoffs and limits, and turn results into policy changes.
- Lead the risk framework as the product expands to new customer segments and integrates with other credit products.
- Report portfolio health and recommendations to Risk leadership and product stakeholders.
Requirements - 5-10 years in credit risk for consumer lending, BNPL or digital lending, including ownership of a product's risk strategy.
- Proven experience setting underwriting rules, scorecard cutoffs and credit limits.
- Advanced SQL and working Python or R.
- Strong grasp of scorecard metrics (Gini, KS, PSI) and delinquency analysis (vintages, roll rates, early default).
- Experience with fraud controls and decisioning or rule engines.
- Knowledge of the UAE credit market and bureau data is a strong plus.
- Bachelor's degree in a quantitative field such as Statistics, Mathematics, Economics, Finance or Engineering.
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