Job Overview
RISK MANAGER
Digital Credit Risk, Portfolio Intelligence & Automated Lending
Location: Bahrain — Remote / GCC Regional Engagement
Seniority Level: Senior Risk Management
Employment Type: Full-time, Permanent
Industry: Fintech • Digital Lending • Credit Risk • Financial Analytics
Work Model: Remote / Regional Collaboration
Risk Mandate
We are seeking a highly analytical Risk Manager to develop and oversee technology-enabled credit-risk frameworks for digital lending and financial products.
The role combines traditional credit-risk principles with modern data analytics, automated decisioning, portfolio monitoring, customer segmentation, and fintech technology.
The successful candidate will help establish risk frameworks that support responsible growth while providing management with clear visibility into portfolio performance, emerging risk patterns, and credit-quality trends.
Core Responsibilities
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Develop credit-risk strategies for digital lending products.
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Establish frameworks for customer and portfolio risk assessment.
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Analyze application, transaction, repayment, and behavioral data.
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Monitor portfolio quality and identify emerging deterioration trends.
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Develop risk segmentation and portfolio-monitoring frameworks.
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Collaborate with data scientists on credit-scoring and predictive models.
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Review model performance and recommend appropriate improvements.
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Establish risk thresholds and monitoring indicators.
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Analyze delinquency, repayment, default, and portfolio-performance trends.
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Develop early-warning indicators for emerging credit risks.
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Work with product teams to balance customer growth and portfolio quality.
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Evaluate automated lending and decision-engine capabilities.
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Prepare executive risk reports and portfolio-performance assessments.
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Conduct scenario analysis and portfolio stress assessments.
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Recommend corrective actions where material risk trends emerge.
Qualifications & Experience
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Bachelor’s degree in Finance, Economics, Mathematics, Statistics, Risk Management, Data Science, or related discipline.
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7+ years of experience in credit risk, banking, fintech lending, financial analytics, or portfolio management.
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Strong understanding of credit-risk methodologies.
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Experience with digital lending or automated credit decisioning is highly desirable.
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Strong SQL, Excel, Python, SAS, R, or comparable analytical capability.
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Experience interpreting financial and customer datasets.
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Strong understanding of portfolio metrics and risk indicators.
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Excellent analytical, reporting, and stakeholder-management skills.
Risk & Analytics Expertise
Credit: Credit Assessment • Portfolio Risk • Scoring • Delinquency Analysis
Analytics: Predictive Models • Segmentation • Stress Testing • Early-Warning Systems
Fintech: Digital Lending • Automated Decisioning • Digital Origination
Management: Risk Governance • Portfolio Monitoring • Executive Reporting
Success Measures
Success will be demonstrated through stronger credit-risk visibility, accurate portfolio monitoring, improved early-warning capabilities, effective risk-adjusted growth strategies, and the development of robust analytical processes supporting digital lending.
Indicative Compensation: Competitive senior-management package reflecting credit expertise, analytical capability, and fintech experience.
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.
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