Job Overview

Lead Fintech Data Scientist – Digital Lending Intelligence & Alternative Credit Risk Analytics

📍 Location: Riyadh, Saudi Arabia

🌐 Work Model: Remote-First with Regional Financial AI Leadership

Industry Transformation Context

The rapid expansion of digital lending ecosystems has fundamentally transformed how credit decisions are made within modern fintech environments.

Traditional financial scoring systems are being replaced by intelligent predictive models leveraging alternative datasets, behavioral analytics, transaction intelligence, and machine learning-driven underwriting frameworks.

This role is designed for a fintech data science specialist capable of building next-generation lending intelligence systems for highly scalable digital finance ecosystems.

Strategic Mandate

To design and scale intelligent financial analytics infrastructures supporting:

• Digital lending ecosystems
• Alternative credit intelligence systems
• AI-driven underwriting platforms
• Financial risk prediction environments
• Behavioral lending analytics frameworks

Core Responsibilities

1. Alternative Credit Risk Modeling

• Develop machine learning models supporting intelligent borrower assessment and risk evaluation
• Build predictive analytics systems utilizing alternative financial and behavioral datasets
• Optimize lending intelligence frameworks improving credit decision accuracy and operational scalability

2. AI-Driven Underwriting Intelligence

• Design real-time scoring systems supporting automated financial approvals and borrower evaluation workflows
• Build intelligent decision engines capable of adaptive lending analysis
• Collaborate with engineering teams on deployment of predictive underwriting infrastructures

3. Financial Behavioral Analytics

• Analyze customer financial patterns, repayment behavior, and transaction trends
• Develop segmentation models improving customer targeting and retention strategies
• Build lifecycle analytics systems supporting portfolio intelligence and operational forecasting

4. Operational Risk & Fraud Intelligence

• Build anomaly detection models identifying fraud risks and operational irregularities
• Develop predictive frameworks reducing financial exposure within lending ecosystems
• Collaborate with compliance and security teams on intelligent operational monitoring initiatives

5. Strategic Data Science Leadership

• Mentor analytics teams on fintech machine learning best practices
• Contribute to enterprise AI governance and model optimization initiatives
• Lead strategic modernization projects surrounding intelligent financial decision systems

Technical Qualifications

• 6–12 years in fintech analytics, machine learning engineering, lending intelligence, or predictive financial modeling
• Advanced expertise in:
  • Python / SQL / R
  • TensorFlow / XGBoost / LightGBM
  • Big data processing systems
  • Statistical risk modeling
  • Cloud AI infrastructure
  • Financial data engineering
• Experience working with:
  • Lending platforms
  • Credit risk systems
  • AI underwriting environments
  • Predictive financial ecosystems
  • Behavioral analytics frameworks

Preferred Capabilities

• Familiarity with alternative data modeling
• Experience in MLOps and scalable AI deployment
• Knowledge of automated financial decisioning systems
• Understanding of responsible AI and model governance frameworks

Impact Dimension

You will help redefine how modern financial ecosystems assess risk, allocate capital, and deliver intelligent lending experiences at scale.

Are you excited about this opportunity?

Don’t miss the chance to make a difference in the fintech and FX industry!

 Apply now by clicking on the “Apply Now” button below. 

Let’s shape the future of finance together!

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