Job Overview
Fintech Risk & Credit Modeling Analyst – Kuwait (Remote Across GCC)
Job Type: Full-Time, Remote
Location: Kuwait-based or Remote from Any GCC Country
Industry: Fintech (Digital Lending, Credit Scoring, Consumer Finance)
Department: Risk Management & Data Science
Experience Level: Mid to Senior Level
Overview:
A pioneering fintech platform operating in Kuwait’s emerging digital lending space is seeking a Remote Risk & Credit Modeling Analyst to support the development, implementation, and monitoring of robust credit risk models tailored for consumer lending, buy-now-pay-later (BNPL), and SME financing products. The role focuses on enhancing credit decisioning using advanced data science, behavioral analytics, and regional financial behavior indicators.
Working remotely, the ideal candidate will play a critical part in designing credit scoring engines that reflect Kuwait’s unique consumer patterns and align with CBK regulatory standards.
Key Responsibilities:
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Design, develop, and validate credit risk models using supervised learning, logistic regression, decision trees, and ensemble methods.
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Construct dynamic scoring systems that incorporate alternative data (telecom usage, payment patterns, device metadata).
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Analyze repayment behavior, default triggers, early delinquency patterns, and vintage performance.
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Collaborate with underwriting and operations teams to create adaptive risk policies and thresholds.
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Support the creation of model documentation in compliance with CBK’s prudential guidelines.
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Partner with product teams to integrate risk logic into digital journeys such as loan origination, top-ups, and limit adjustments.
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Conduct stress testing and scenario analysis across consumer and SME credit portfolios.
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Monitor live model performance and recalibrate models based on drift, segmentation, and macroeconomic indicators.
Qualifications:
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4–7 years of experience in credit risk modeling, preferably within fintech, digital banks, or financial institutions.
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Hands-on experience with Python, R, or SAS for statistical modeling.
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Strong command of SQL and data handling techniques.
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Understanding of Kuwaiti financial regulations and CBK risk frameworks.
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Familiarity with consumer lending models (PD, LGD, EAD), Basel II/III, and IFRS 9.
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Academic background in statistics, econometrics, finance, or applied mathematics.
Preferred Skills:
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Experience working with open banking APIs and alternative credit scoring data.
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Prior work on BNPL platforms or micro-lending systems.
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Fluency in English is required; Arabic is a significant asset.
Work Environment:
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Fully remote, with virtual model review boards and compliance collaboration.
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Access to cloud-based data infrastructure and model deployment pipelines.
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Emphasis on research-backed modeling and adaptive algorithmic credit systems.
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