
Tamara
Credit Risk Manager (Fintech Credit & Fraud Risk)
- Permanent
- Riyadh, Saudi Arabia
- Experience 2 - 5 yrs
Job expiry date: 24/04/2026
Job overview
Date posted
11/03/2026
Location
Riyadh, Saudi Arabia
Salary
SAR 20,000 - 30,000 per month
Compensation
Job description
The Credit Risk Manager role at Tamara, a leading fintech platform in Saudi Arabia and the wider GCC region and the country’s first fintech unicorn backed by Sanabil Investments (a wholly owned company by the Public Investment Fund), SNB Capital, and Checkout.com, is responsible for safeguarding the company’s financial interests by managing credit risk and preventing fraudulent activities across its financial platform that serves millions of users and partners with major brands including SHEIN, Jarir, noon, IKEA, and Amazon as well as small and medium businesses. Based at the company headquarters in Riyadh, this role focuses on developing and implementing credit risk policies, strategies, and procedures while assessing the creditworthiness of applicants using credit scoring models, credit reports, and financial analysis. The position requires continuous monitoring and management of credit exposure, delinquency rates, and portfolio performance while optimizing risk and pricing strategies to maximize profitability and minimize credit losses. The role also includes the development and implementation of fraud prevention strategies and controls, transaction monitoring, analysis of customer behavior for fraudulent activity indicators, and investigation of suspicious transactions with potential collaboration with law enforcement agencies when required. The Credit Risk Manager leverages data analytics, data analysis, and risk modeling to identify and assess credit and fraud risks and prepares regular reports and dashboards to communicate risk trends, portfolio performance, and risk indicators to senior management. The role requires implementing data-driven decision-making processes and ensuring adherence to financial regulations and compliance requirements, working closely with the compliance team to address regulatory obligations related to credit and fraud risk management. The position collaborates cross-functionally with product, engineering, and customer service teams to integrate risk management measures into product design and customer interactions while providing risk guidance during new product development. The role also requires balancing risk mitigation strategies with a seamless and positive customer experience and communicating credit risk policies and actions clearly and transparently to customers while maintaining a secure and reliable financial environment within the fintech ecosystem.
Required skills
Key responsibilities
- Develop and implement credit risk policies, strategies, and procedures while assessing applicant creditworthiness using credit scoring models, credit reports, and financial analysis to support accurate underwriting decisions
- Monitor and manage credit exposure, delinquency rates, and portfolio performance while optimizing risk and pricing strategies to maximize profitability and minimize credit losses
- Develop and implement fraud prevention strategies and controls, perform transaction monitoring, analyze customer behavior for signs of fraudulent activity, and investigate suspicious transactions including collaboration with law enforcement agencies when required
- Utilize data analytics, data analysis, and risk modeling to identify credit and fraud risks and prepare regular reports and dashboards that communicate risk trends, portfolio performance, and insights to senior management
- Ensure compliance with financial regulations and compliance requirements while collaborating with the compliance team to address regulatory obligations related to credit and fraud risk management
- Collaborate with product, engineering, and customer service teams to integrate risk management measures into product design and customer interactions and provide guidance on risk implications during new product development while maintaining a seamless customer experience
- Communicate credit risk policies, decisions, and risk actions to customers clearly and transparently while supporting a secure and reliable financial platform environment
Experience & skills
- Obtain a Bachelor's degree in Finance, Risk Management, or a related field with a Master’s degree or professional certifications such as FRM or CFE considered an advantage
- Demonstrate proven experience in credit risk management and fraud prevention preferably within the fintech industry environment
- Possess strong knowledge of credit scoring models, underwriting processes, and fraud detection methods used in financial risk evaluation
- Demonstrate proficiency in data analytics, data analysis, and risk modeling to support risk assessment and data-driven decision-making
- Maintain knowledge of financial regulations and compliance requirements applicable to credit and fraud risk management
- Demonstrate familiarity with risk management software and tools used for monitoring, analysis, and reporting of risk metrics