Senior Manager - Credit (Saudi National)

Job description

**About Us** Tamara is a leading fintech platform in Saudi Arabia and the GCC region with a mission to help people own their dreams built on being simple, trusted, and everywhere our customers need us. Today, more than 25 million customers and over 130,000 partner merchants depend on Tamara every day for reliable financial solutions across retail, travel, education, healthcare, and beyond. Tamara is backed by Sanabil Investments, a wholly owned company of the Public Investment Fund (PIF), and SNB Capital, among 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 to maintain a secure and reliable financial environment. This role will be based in our Riyadh, HQ. **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. - Collaborate with the compliance team to address regulatory requirements related to credit and fraud risk management - Work closely with product, engineering, and customer service teams to integrate risk management measures into product design and customer interactions. - Provide guidance on risk implications during new product development. - Balance risk mitigation measures with a seamless and positive customer experience. - Communicate risk policies and actions to customers effectively and transparently **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.