Head of Credit Risk

Build and own TradePay's enterprise credit risk framework and governance model

Define and manage risk appetite, portfolio thresholds, and escalation frameworks

Develop and maintain credit, collections, fraud, and operational risk policies

Oversee repayment behavior monitoring, delinquency management, and collections governance

Establish provisioning, write-off, and portfolio monitoring frameworks

Review and approve credit override and exception management processes

Work with Data and Product teams to ensure underwriting models align with risk policies and operational controls

Build governance processes around merchant onboarding, fraud escalation, dispute resolution, and collections

Develop reporting frameworks for management, investors, and future regulatory readiness

Prepare the business for future licensing and regulatory engagement in Saudi Arabia

Support legal and compliance teams in ensuring operational and contractual alignment

Lead future risk committee structures and build and mentor risk operations and collections team members

How Success Will Be Measured Portfolio quality and delinquency rates, provisioning accuracy, governance and policy maturity, regulatory readiness, and the strength of risk frameworks as TradePay scales.

Where This Role Can Go Head of Risk Chief Risk Officer as TradePay scales and matures into a regulated entity.