Credit Risk Manager - Revolving Lending Product

About the role

A Credit Risk Manager is needed to own the credit risk strategy for a revolving lending product. The role decides who gets lent to, how much and on what terms, so that the portfolio grows within the company's risk appetite.

Key responsibilities

• Own the credit risk policy for the product: underwriting rules, approval criteria and risk appetite.
• Manage application scorecards with data science, from development and validation through cutoff setting and monitoring.
• Design credit limit and exposure strategy across customer segments.
• Own fraud prevention rules at onboarding and disbursement, working with fraud and engineering teams.
• Monitor portfolio performance (approval rates, early delinquency, roll rates and losses) and act on emerging trends.
• Run tests on rules, cutoffs and limits and turn results into policy changes.
• Lead the risk framework as the product expands to new segments and integrates with other credit products.
• Report portfolio health and recommendations to Risk leadership and product stakeholders.

Required profile

• 5-10 years in credit risk for consumer lending, BNPL or digital lending, including ownership of a product's risk strategy.
• Proven experience setting underwriting rules, scorecard cutoffs and credit limits.
• Bachelor's degree in a quantitative field such as Statistics, Mathematics, Economics, Finance or Engineering.
• Knowledge of the UAE credit market and bureau data is a strong plus.

Required skills

• Advanced SQL and working Python or R.
• Strong grasp of scorecard metrics (Gini, KS, PSI) and delinquency analysis (vintages, roll rates, early default).
• Experience with fraud controls and decisioning or rule engines.