Fintech Credit Decisioning & Risk Analytics Manager – Digital Lending Systems

Job Overview

Fintech Credit Decisioning & Risk Analytics Manager – Digital Lending Systems (Saudi Arabia)

Decision Intelligence Framework

This role operates at the intersection of data science, credit risk, and financial decision-making, where every model, rule, and insight directly influences lending outcomes.

Decision Layers

 Data Interpretation

• Analyze structured and unstructured financial data.
• Identify patterns in borrower behavior and repayment trends.

Credit Decision Models

• Develop and refine credit scoring and decision models.
• Improve accuracy of lending approvals and risk segmentation.

Risk Calibration

• Balance lending growth with portfolio risk exposure.
• Adjust credit thresholds based on performance data.

 Predictive Insights

• Forecast default probabilities and repayment behavior.
• Enable proactive risk mitigation strategies.

Core Responsibilities

• Design credit decisioning frameworks for digital lending platforms.
• Monitor portfolio risk and performance metrics.
• Collaborate with product and risk teams.
• Continuously improve lending models using data insights.

Required Competencies

• Strong expertise in credit risk, data analytics, and fintech lending systems.
• Knowledge of statistical modeling and decision systems.
• Analytical and quantitative reasoning skills.

Experience Profile

• 6–11 years in credit risk, fintech analytics, or financial modeling roles.

Performance Metrics

• Model accuracy and predictive power
• Default rate optimization
• Portfolio performance stability

Impact Perspective

You will shape how credit decisions are made—ensuring smarter, faster, and more accurate lending systems.

Work Model

• Fully remote with analytical leadership responsibilities.
• Data-driven and decision-intensive environment.

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