Senior Manager - Credit
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Key skills for this role
About the Role
Tamara is seeking a Senior Manager - Credit Risk to develop and implement credit risk policies, assess creditworthiness, monitor portfolio performance, and prevent fraud. The role requires 8+ years of experience in credit risk management and fraud prevention, preferably in fintech.
Key Skills for This Role
Responsibilities
- Develop and implement credit risk policies, strategies, and procedures
- Assess creditworthiness of applicants through credit scoring models, credit reports, and financial analysis
- Monitor and manage credit exposure, delinquency rates, and portfolio performance
- Continuously optimize risk and pricing strategies to maximize profitability while minimizing credit losses
- Develop and implement fraud prevention strategies and controls
- Monitor transactions and customer behavior for signs of fraudulent activity
- Investigate suspicious transactions and collaborate with law enforcement agencies when necessary
- Stay updated on emerging fraud trends and technologies
- Utilize data analytics to identify and assess credit and fraud risks
- Prepare regular reports and dashboards to communicate risk trends and performance to senior management
- Implement data driven decision making processes
- Ensure compliance with relevant financial regulations and industry standards
Requirements
- Bachelor's degree in Finance, Risk Management, or related field
- Master's degree or relevant certifications (e.g., FRM, CFE) is a plus
- 8+ years of experience in credit risk management and fraud prevention, preferably in fintech
- Strong understanding of credit scoring models, underwriting processes, and fraud detection methods
- Proficiency in data analysis and risk modeling
- Knowledge of financial regulations and compliance requirements
- Familiarity with risk management software and tools
- Strong communication and interpersonal skills
- Analytical mindset with ability to translate data into actionable insights
- Problem solving skills and attention to detail
Full Job Posting
About Us
- Tamara is the leading fintech platform in Saudi Arabia and the wider GCC region.
- The company serves millions of users and partners with leading global and regional brands.
- Tamara is Saudi Arabia’s first fintech unicorn backed by Sanabil Investments, SNB Capital, Checkout.com, amongst others.
Your Role
- The Senior Manager Credit Risk will play a critical role in safeguarding the company's financial interests by effectively managing credit risk and preventing fraudulent activities.
- This position involves developing and implementing risk strategies, conducting thorough analysis, and collaborating with cross functional teams.
Your Responsibilities
- Develop and implement credit risk policies, strategies, and procedures.
- Assess creditworthiness of applicants through credit scoring models, credit reports, and financial analysis.
- Monitor and manage credit exposure, delinquency rates, and portfolio performance.
- Continuously optimize risk and pricing strategies to maximize profitability while minimizing credit losses.
- Develop and implement fraud prevention strategies and controls.
- Monitor transactions and customer behavior for signs of fraudulent activity.
- Investigate suspicious transactions and collaborate with law enforcement agencies when necessary.
- Stay updated on emerging fraud trends and technologies.
- Utilize data analytics to identify and assess credit and fraud risks.
- Prepare regular reports and dashboards to communicate risk trends and performance to senior management.
- Implement data driven decision making processes.
- Ensure compliance with relevant financial regulations and industry standards.
Your Expertise
- Bachelor's degree in Finance, Risk Management, or a related field. Master's degree or relevant certifications (e.g., FRM, CFE) is a plus.
- Proven experience of 8+ years in credit risk management and fraud prevention, preferably in the fintech industry.
- Strong understanding of credit scoring models, underwriting processes, and fraud detection methods.
- Proficiency in data analysis and risk modeling.
- Knowledge of financial regulations and compliance requirements.
- Familiarity with risk management software and tools.
- Strong communication and interpersonal skills.
- Analytical mindset with the ability to translate data into actionable insights.
- Problem solving skills and attention to detail.
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