Job description

As the Risk Policy Manager at Tamara, the leading fintech platform in Saudi Arabia and the wider GCC region, you will be responsible for developing, maintaining, and enhancing credit risk policies and underwriting standards for all open loop credit products, including unsecured credit cards and revolving facilities. This role requires strong credit acumen, a strategic mindset to balance risk and growth, and prior experience of underwriting and managing credit risk for credit cards. Experience with digital onboarding, underwriting, and fintech in this space would be an asset. Key responsibilities include designing and maintaining robust credit underwriting policies and decisioning frameworks, ensuring alignment with Central Bank regulations, the organization's risk appetite, and strategic business goals. You will partner with product, analytics, and digital teams to develop risk-aligned offerings and support the launch of new open loop credit products with customized underwriting strategies. Additionally, you will define and continuously enhance credit approval criteria, scorecard usage, and segmentation strategies, monitor underwriting KPIs (approval rates, delinquency, vintage curves), and suggest changes to improve performance. Collaboration with Credit Operations, Collections, Compliance, and Technology teams is essential to ensure effective policy implementation and to present credit risk insights and policy updates to senior leadership and governance forums. Familiarity with Middle East/GCC markets and regulatory frameworks (e.g., UAE Central Bank, Saudi Arabia Monetary Authority SAMA) is preferred.