Job Overview
SPECIALIST
Digital Lending, Credit Analytics & Decision Systems
Location: Saudi Arabia — Remote / GCC Regional
Seniority Level: Senior Specialist
Employment Type: Full-time, Permanent
Industry: Fintech • Digital Lending • Credit Technology • Financial Analytics
Work Model: Remote with periodic regional engagement
Role Purpose
We are looking for a highly analytical Specialist to support the development and optimization of technology-driven lending and credit-decision environments.
The role focuses on the intersection of digital lending, credit analytics, customer data, automated decision systems, portfolio intelligence, and financial technology.
The successful candidate will contribute to the design of sophisticated credit processes capable of improving decision quality, operational speed, customer experience, and portfolio visibility while maintaining appropriate risk controls.
Responsibilities
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Analyze digital lending processes and identify opportunities for optimization.
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Develop analytical frameworks supporting credit decision-making.
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Evaluate customer and transactional data relevant to credit assessment.
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Support the development of automated credit-decision workflows.
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Monitor portfolio performance and identify emerging trends.
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Analyze approval rates, repayment behavior, delinquency patterns, and portfolio indicators.
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Work with data teams to improve credit analytics and reporting.
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Support development and monitoring of credit-scoring methodologies.
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Evaluate technology solutions supporting digital loan origination.
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Collaborate with product, engineering, finance, risk, and operations teams.
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Develop analytical dashboards and management reports.
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Identify opportunities to improve application processing and customer experience.
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Conduct portfolio segmentation and performance analysis.
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Contribute to continuous improvement of digital lending systems.
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Translate analytical findings into practical recommendations for senior stakeholders.
Qualifications & Experience
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Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, Computer Science, or a related discipline.
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5+ years of experience in credit analytics, digital lending, banking, fintech, financial data analysis, or related areas.
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Strong quantitative and analytical skills.
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Experience working with financial datasets and analytical tools.
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Understanding of credit-risk concepts and lending processes.
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Familiarity with automated decision systems and digital loan platforms.
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Strong Excel, SQL, Python, statistical, or comparable analytical capabilities.
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Excellent communication and report-writing skills.
Specialist Capability Matrix
Credit: Credit Assessment • Portfolio Analysis • Scoring • Lending Analytics
Data: SQL • Financial Data • Segmentation • Statistical Analysis
Technology: Decision Engines • Digital Origination • Automation • APIs
Business: Customer Analytics • Product Optimization • Performance Management
Success Measures
Performance will be assessed through analytical accuracy, quality of decision-support insights, improvements in lending processes, portfolio intelligence, automation opportunities identified, and measurable contributions to digital lending performance.
Indicative Compensation: Competitive specialist-level package reflecting professional experience, analytical expertise, and technical capability.
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