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Risk Manager
noon
Dubai, UAE
Full Time
Mid
1 weeks ago
Credit Risk ManagementFraud PreventionUnderwritingMachine LearningSQLPython
Free
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Credit Risk ManagementFraud PreventionUnderwriting
About the Role
noon Fintech is seeking a Risk Manager to shape credit and fraud risk strategies for consumer products, using an AI-first approach.
Key Skills for This Role
Credit Risk ManagementFraud PreventionUnderwritingMachine LearningSQLPython
Responsibilities
- Lead the credit risk underwriting strategy across noon Fintech's consumer products, defining risk appetite, eligibility criteria, and credit limit frameworks in close collaboration with banking and lending partners
- Take an AI first approach to underwriting — championing the use of machine learning models, alternative data signals, and automated decision engines over manual or rules only processes
- Collaborate closely with Data Science, Product, and Engineering teams to design, implement, and continuously refine AI powered credit policies and scoring models
- Oversee champion challenger testing frameworks and model governance processes, ensuring that new models are rigorously validated before deployment and monitored continuously in production
- Stay ahead of advances in AI and machine learning as applied to consumer credit, proactively identifying opportunities to improve model performance and decision quality
- Monitor and manage fraud risk across the full customer lifecycle — application fraud, identity theft, account takeover, and transactional abuse — deploying AI driven detection systems to stay ahead of emerging threats
- Design and implement real time fraud rules and model based triggers that minimize losses while preserving a frictionless customer experience
- Work with third party fraud intelligence providers and internal data science teams to continuously enrich fraud models with new signals and behavioral data
- Be responsible for the overall health of noon Fintech's credit portfolio — monitoring delinquency trends, vintage performance, and loss rates, and escalating or intervening as needed
- Design and implement AI powered collections strategies, including propensity to pay modelling, dynamic treatment allocation, and early warning systems that prioritize interventions before accounts deteriorate
- Produce regular risk reporting for internal leadership, the Board, and financial partners, translating complex model outputs and portfolio metrics into clear, actionable narratives
- Ensure that risk management practices remain compliant with CBUAE regulations, lending partner requirements, and evolving consumer protection standards
Requirements
- Minimum 3 to 5 years of relevant experience in credit risk management, underwriting, or fraud prevention, with direct exposure to fintech, BNPL, or consumer lending environments
- Demonstrated AI first mindset — prior experience working alongside data science teams to deploy machine learning models in a credit or fraud risk context
- Strong understanding of consumer credit underwriting principles, portfolio management, and collections strategy in a high volume digital lending environment
- Proven experience collaborating with cross functional teams including Data Science, Product, and Engineering to translate risk appetite into automated decision systems
- Familiarity with CBUAE regulations, UAE consumer credit guidelines, and the regulatory expectations applicable to licensed fintech or payment products is a strong advantage
- Experience managing relationships with banking or lending partners, including communicating risk performance, justifying policy changes, and responding to partner due diligence requests
- Strong analytical skills with proficiency in SQL or Python for risk data analysis; ability to interrogate model outputs, portfolio data, and fraud signals independently
- Familiarity with third party risk and fraud tools — bureau integrations, device intelligence, behavioral biometrics, and transaction monitoring platforms
- Excellent communication, problem solving, and decision making skills, with the ability to operate effectively in a fast paced, ambiguous environment
Full Job Posting
About noon
- We’re building an ecosystem of digital products and services that power everyday life across the Middle East—fast, scalable, and deeply customer centric. noon Fintech is a dedicated team within the noon group focused on building consumer fintech initiatives across the Middle East.
What you'll do
- Team noon has some of the fastest, smartest, and hardest working people we've encountered. With a young, aggressive, and talented team, we're driving major missions forward. The Risk Manager will be instrumental in shaping and managing the credit and fraud risk strategies across noon Fintech's consu
Credit Risk & AI Driven Underwriting
- Lead the credit risk underwriting strategy across noon Fintech's consumer products, defining risk appetite, eligibility criteria, and credit limit frameworks in close collaboration with banking and lending partners.
- Take an AI first approach to underwriting — championing the use of machine learning models, alternative data signals, and automated decision engines over manual or rules only processes.
- Collaborate closely with Data Science, Product, and Engineering teams to design, implement, and continuously refine AI powered credit policies and scoring models.
- Oversee champion challenger testing frameworks and model governance processes, ensuring that new models are rigorously validated before deployment and monitored continuously in production.
- Stay ahead of advances in AI and machine learning as applied to consumer credit, proactively identifying opportunities to improve model performance and decision quality.
Fraud Risk Management
- Monitor and manage fraud risk across the full customer lifecycle — application fraud, identity theft, account takeover, and transactional abuse — deploying AI driven detection systems to stay ahead of emerging threats.
- Design and implement real time fraud rules and model based triggers that minimize losses while preserving a frictionless customer experience.
- Work with third party fraud intelligence providers and internal data science teams to continuously enrich fraud models with new signals and behavioral data.
Portfolio Risk & Collections Strategy
- Be responsible for the overall health of noon Fintech's credit portfolio — monitoring delinquency trends, vintage performance, and loss rates, and escalating or intervening as needed.
- Design and implement AI powered collections strategies, including propensity to pay modelling, dynamic treatment allocation, and early warning systems that prioritize interventions before accounts deteriorate.
- Produce regular risk reporting for internal leadership, the Board, and financial partners, translating complex model outputs and portfolio metrics into clear, actionable narratives.
- Ensure that risk management practices remain compliant with CBUAE regulations, lending partner requirements, and evolving consumer protection standards.
What you'll need
- Minimum 3 to 5 years of relevant experience in credit risk management, underwriting, or fraud prevention, with direct exposure to fintech, BNPL, or consumer lending environments.
- Demonstrated AI first mindset — prior experience working alongside data science teams to deploy machine learning models in a credit or fraud risk context, actively shaping model design and governance rather than simply consuming outputs.
- Strong understanding of consumer credit underwriting principles, portfolio management, and collections strategy in a high volume digital lending environment.
- Proven experience collaborating with cross functional teams including Data Science, Product, and Engineering to translate risk appetite into automated decision systems.
- Familiarity with CBUAE regulations, UAE consumer credit guidelines, and the regulatory expectations applicable to licensed fintech or payment products is a strong advantage.
- Experience managing relationships with banking or lending partners, including communicating risk performance, justifying policy changes, and responding to partner due diligence requests.
- Strong analytical skills with proficiency in SQL or Python for risk data analysis; ability to interrogate model outputs, portfolio data, and fraud signals independently.
- Familiarity with third party risk and fraud tools — bureau integrations, device intelligence, behavioral biometrics, and transaction monitoring platforms.
- Excellent communication, problem solving, and decision making skills, with the ability to operate effectively in a fast paced, ambiguous environment.
Who will excel?
- We’re looking for people with high standards, who understand that hard work matters.
- You need to be relentlessly resourceful and operate with a deep bias for action.
- We need people with the courage to be fiercely original.
- noon is not for everyone; readiness to adapt, pivot, and learn is essential.
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