Job Overview
Senior Fintech Behavioral Credit Intelligence & Alternative Data Strategy Lead – Riyadh, Saudi Arabia
Job Type: Full-Time
Experience Level: Senior (9–13 years)
Functional Area: Credit Analytics | Data Strategy | AI-driven Lending
Role Overview
Traditional credit scoring models are being replaced by behavioral intelligence and alternative data analytics. This role is for a data-driven strategist who can design next-generation credit assessment frameworks that expand financial inclusion while maintaining risk discipline.
Core Responsibilities
- Develop behavioral credit scoring models using transactional and alternative data
- Integrate diverse data sources (e.g., payment behavior, digital activity) into credit decision systems
- Build predictive models for loan performance and default risk
- Collaborate with engineering teams to deploy models into real-time decision engines
- Continuously optimize models for accuracy, fairness, and regulatory compliance
- Design segmentation strategies for risk-based pricing and product personalization
- Monitor KPIs such as approval rates, default rates, and portfolio performance
Technical Stack
- Programming: Python, R
- ML Frameworks: Scikit-learn, TensorFlow
- Data: Large-scale structured and unstructured datasets
- Tools: SQL, Spark, data visualization platforms
- Infrastructure: Cloud-based analytics environments
Required Qualifications
- Degree in Data Science, Mathematics, Finance, or related field
- 9+ years in credit analytics, data science, or fintech
- Strong expertise in statistical modeling and machine learning
- Experience with lending platforms and credit risk systems
- Ability to translate complex data into actionable insights
Preferred Skills
- Experience with alternative data in credit scoring
- Knowledge of AI model governance and explainability
- Familiarity with real-time analytics systems
- Strong problem-solving and analytical capabilities
Strategic Importance
You will redefine how creditworthiness is assessed—making lending more inclusive, intelligent, and adaptive.
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