Job Overview
Remote Director of AI-Driven Islamic Credit Scoring – United Arab Emirates
Domain Focus: Ethical AI in Lending | Shariah-Based Behavioral Models | Federated Credit Architecture | SME and Consumer Finance
Location: Remote | Anchored in UAE FinTech Strategy under the Central Bank’s National Payment Systems Vision
Employment Type: Full-Time | Strategic AI-Compliance Role | Remote with Periodic Engagements in Abu Dhabi & Dubai
Compensation: AED Executive Equity + Algorithmic IP Ownership + Multi-Lender Licensing Revenue
Mission Statement
The UAE is positioning itself as the global epicenter for AI-regulated finance and ethical credit infrastructure. Yet in a region where traditional credit scores remain limited, underserved populations—including micro-entrepreneurs, self-employed expats, and Shariah-sensitive consumers—are often left out of the digital credit revolution. This role seeks a visionary to lead the development of a remote-first Islamic-compliant AI credit scoring system, enabling ethical, transparent, and inclusive access to finance across the federation.
Core Objectives
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Design and train explainable AI models rooted in Shariah-compliant behavioral economics, transaction patterning, and social capital analytics.
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Build a federated credit scoring infrastructure that avoids riba-centric assumptions and penalizes neither zakat payments nor halal cashflow fluctuations.
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Integrate with UAE’s National Payment Systems Strategy to analyze digital wallet behavior, eDirham usage, and merchant transactions.
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Collaborate with UAE’s Al Etihad Credit Bureau to expand permissible data sources including POS micro-data, telecom billing, BNPL interactions, and cross-border remittances.
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Work closely with Shariah scholars and Islamic banks to validate AI outputs against ethical lending criteria such as gharar avoidance, moral hazard analysis, and debt purity.
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Enable APIs for neobanks, halal lenders, and microfinance institutions to plug into the model, offering real-time risk-adjusted approvals.
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Build a privacy-first, federated architecture using homomorphic encryption, zero-knowledge proofs, and differential privacy to ensure full GDPR-equivalent compliance.
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Open source certain modules to accelerate adoption across GCC markets and build international trust in Islamic AI scoring.
Ideal Profile
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12+ years in AI/ML, alternative credit scoring, or digital risk infrastructure development.
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Deep familiarity with Shariah finance, Islamic ethics in debt structures, and consumer finance jurisprudence.
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Experience working in regulated environments with strong emphasis on AI transparency, fairness, and auditability.
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Knowledge of UAE credit regulation, AI policy, and Open Banking adoption under the Central Bank and ADGM guidelines.
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Arabic literacy preferred; strong communication skills required to align AI with both regulators and Islamic finance boards.
Why UAE?
The UAE is not just digitizing finance—it is redefining ethics in fintech. This role lets you design a morally-aligned credit intelligence platform, remotely and securely, while shaping AI regulations in one of the world’s most advanced financial sandboxes.
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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#NowHiring #FinancialServices #FXIndustry.
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