Job Overview
Principal Fintech Intelligent Credit Decisioning- Underwriting Automation & Risk Engines Architect – Riyadh, Saudi Arabia
Job Type: Full-Time
Experience Level: Principal (10–15 years)
Functional Area: Credit Systems | Risk Engines | Lending Technology
Role Overview
The future of lending lies in automated, intelligent decisioning systems that can assess risk in real time. This role is for a senior architect who can design end-to-end credit decisioning platforms, integrating data, analytics, and machine learning into seamless underwriting processes.
Core Responsibilities
- Architect credit decisioning engines supporting real-time loan approvals
- Integrate multiple data sources into automated underwriting systems
- Develop frameworks for risk scoring, pricing, and portfolio segmentation
- Deploy machine learning models for predictive credit analysis
- Ensure explainability and compliance of automated decisions
- Optimize systems for speed, accuracy, and scalability
- Monitor KPIs such as approval rates, default rates, and processing time
Technical Stack
- Programming: Python, Java
- ML Frameworks: Scikit-learn, TensorFlow
- Data: Large-scale structured and unstructured datasets
- Infrastructure: Cloud-based decision systems
- Tools: Real-time analytics and rule engines
Required Qualifications
- Degree in Data Science, Computer Science, or Finance
- 10+ years in fintech, credit systems, or risk analytics
- Strong expertise in credit modeling and decision systems
- Experience with lending platforms and underwriting automation
- Ability to design scalable, high-performance architectures
Preferred Skills
- Experience with alternative data credit scoring
- Knowledge of AI governance and model explainability
- Familiarity with regulatory requirements for lending
- Strong analytical and system design capabilities
Strategic Importance
You will enable lending platforms to make faster, smarter, and more inclusive credit decisions, transforming access to finance.
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Anticipate Fintech (HK) Ltd
About Us
We innovate with the needs of those who have historically been marginalized in mind. We have created a business model that is socially inclusive and offers goods and services to everyone.
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