(1) Head of Credit Strategy & Policy and (1) Head of Credit Risk
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Key skills for this role
About the Role
ETRA Talent is hiring two Director-level roles for a fast-growing fintech in UAE: Head of Credit Strategy & Policy and Head of Credit Risk. Both roles involve shaping credit strategy, building next-gen credit capabilities, and optimizing portfolio performance.
Key Skills for This Role
Responsibilities
- Define and execute the company's credit strategy across multiple lending products and customer segments
- Establish risk appetite frameworks that support ambitious growth targets while maintaining disciplined risk management
- Develop innovative underwriting approaches using alternative data, behavioral insights, and machine learning outputs
- Lead the development of scalable, technology enabled credit policies and governance frameworks
- Partner with Product and Engineering teams to embed risk intelligence directly into customer journeys
- Drive automation and real time decisioning initiatives across the lending ecosystem
- Own portfolio monitoring, performance management, and credit optimization initiatives
- Identify emerging trends, risks, and growth opportunities through advanced analytics
- Develop proactive strategies to enhance approval rates, customer acquisition, profitability, and loss performance
- Collaborate closely with Data Science teams to develop, validate, and enhance credit models
- Serve as a trusted advisor to senior leadership on credit, growth, and risk strategy
Requirements
- 10+ years of experience within Credit Risk, Credit Strategy, Lending Analytics, Portfolio Management, or Consumer Finance
- Significant experience in fintech, challenger banking, digital lending, BNPL, embedded finance, or innovative financial services
- Proven track record of building and scaling credit strategies in high growth organizations
- Deep knowledge of credit decisioning, underwriting, scorecards, portfolio analytics, and risk governance
- Experience working alongside data scientists and machine learning teams
- Familiarity with automated decision engines and modern lending technology platforms
- Strong analytical mindset with ability to translate data into actionable business outcomes
- Entrepreneurial and commercially minded
Full Job Posting
The Opportunity
- As Head of Credit Strategy & Policy, you will own the end to end credit lifecycle, from customer acquisition and underwriting through portfolio optimisation and risk governance.
- You'll combine commercial thinking with data driven decision making to create scalable credit strategies that enable rapid growth while maintaining strong portfolio performance.
- Working closely with Product, Data Science, Engineering, Finance, and Executive Leadership teams, you'll help define how modern lending should work in a digital first environment.
What You'll Be Doing
- Define and execute the company's credit strategy across multiple lending products and customer segments.
- Establish risk appetite frameworks that support ambitious growth targets while maintaining disciplined risk management.
- Develop innovative underwriting approaches using alternative data, behavioural insights, and machine learning outputs.
- Continuously evolve decisioning strategies to improve customer outcomes and portfolio performance.
- Lead the development of scalable, technology enabled credit policies and governance frameworks.
- Partner with Product and Engineering teams to embed risk intelligence directly into customer journeys.
- Drive automation and real time decisioning initiatives across the lending ecosystem.
- Champion experimentation through test and learn frameworks, challenger strategies, and rapid iteration.
- Own portfolio monitoring, performance management, and credit optimisation initiatives.
- Identify emerging trends, risks, and growth opportunities through advanced analytics.
- Develop proactive strategies to enhance approval rates, customer acquisition, profitability, and loss performance.
- Drive continuous improvement across underwriting, account management, and collections strategies.
What We're Looking For
- 10+ years of experience within Credit Risk, Credit Strategy, Lending Analytics, Portfolio Management, or Consumer Finance.
- Significant experience gained within fintech, challenger banking, digital lending, BNPL, embedded finance, or innovative financial services environments.
- Proven track record of building and scaling credit strategies in high growth organisations.
- Experience managing lending portfolios through periods of rapid expansion and change.
- Strong understanding of digital lending economics and customer lifecycle management.
- Deep knowledge of credit decisioning, underwriting, scorecards, portfolio analytics, and risk governance.
- Experience working alongside data scientists and machine learning teams.
- Familiarity with automated decision engines and modern lending technology platforms.
- Strong analytical mindset with the ability to translate data into actionable business outcomes.
- Entrepreneurial and commercially minded.
- Comfortable operating in fast moving, evolving environments.
- Able to balance innovation with
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