Job description

The Head of Credit Oversight & Portfolio Monitoring role at Tamara operates within the second line of defence, reporting directly to the Chief Risk Officer, and is responsible for setting and executing the credit risk oversight agenda across all markets. The role ensures robust portfolio monitoring, independent challenge of first-line credit decisions, and delivery of high-quality management information to executive leadership and the Board Risk & Credit Committee. The position translates Board-approved risk appetite into credit limits, key risk indicators, and control frameworks, while independently assessing new products, market entries, underwriting models, and strategy changes. The role owns portfolio MI, early-warning frameworks, and Expected Credit Loss (ECL) oversight in collaboration with Finance, including forecasting and stress testing. It enforces model risk monitoring across scorecards, decisioning engines, and policy rules, including stability analysis and back-testing, with clear escalation and remediation ownership. The role independently evaluates collections strategies and capacity, recommending actions on limits, exposures, and segmentation to protect margin, liquidity, and risk appetite. The Head of Credit Oversight & Portfolio Monitoring leads monthly and quarterly reporting to ExCo and Board committees, chairs portfolio reviews and credit forums, tracks decisions through to closure, and builds and leads a high-performing second-line credit risk team. The role requires deep quantitative and portfolio analytics expertise, strong proficiency in SQL, Python, and BI platforms, and the ability to convert complex analysis into clear, actionable insights for senior stakeholders within a fast-growing fintech and BNPL environment across the GCC.