Head of Credit Risk and Analytics - TradePay

Who We Are

We are building the trade finance infrastructure for FMCG in Saudi Arabia. Our mission is to replace informal, opaque supplier credit with structured, data-driven working capital that helps small merchants grow, protects suppliers from credit risk, and strengthens the entire supply chain. Our mission is to build a new credit system for FMCG where risk is priced from real transaction behavior, not balance sheets, enabling sustainable growth for merchants and suppliers alike.

We’re looking for a hands-on Analytics/Credit Risk leader to own and build a data and credit risk function from scratch for our B2B revolving credit product. This role is pivotal in the launch of this venture – designing, building and scaling systems and a team responsible for the end-to-end risk management and pricing framework.

You’ll work hand-in-hand with partners in Product, and Engineering teams to shape how we assess and price risk, build risk models, design journeys, and measure outcomes across the credit lifecycle. Sitting at the intersection of data science, credit risk, and growth analytics, you’ll build the data pipelines, statistical models and decisioning systems, using traditional and alternative data sources to inform underwriting, customer acquisition, retention, and portfolio performance at scale.

• Develop credit scoring, affordability, and behavioural frameworks and statistical models to support underwriting, pricing, and collections
• Build a team around you that is innovative and industry leading in credit risk decisioning - using traditional and alternative data products and data modelling products
• Design and run experiments and train models to optimise funnel conversion, approval rates, loss rates, and churn/retention optimisation
• Partner with product and engineering to embed decision logic into real-time systems
• Ensure data quality, compliance, and ethical use of models across all decisioning processes
• Be a mentor to the business on best practices in credit risk frameworks, experimentation and data-driven decision making

• You have +6 years of experience in data science, automated decisioning, or credit risk analytics services, including +2 years in management
• Technical:
  Proficiency in SQL and at least one modelling/programming language (Python, R)
• Growth analytics:
  Ability to design and run A/B tests, experience with growth accounting and funnel analytics
• Strong communication skills - the ability to translate complex analyses into clear insights and recommendations
• A  builder  and high ownership mindset. Resilient to navigate the ambiguity of fast-paced, cross-functional teams in an early-stage venture.

• Head of function from day one with full ownership of credit risk and analytics
• Hands-on, modelling-heavy role using real FMCG transaction data
• Direct impact on limits, NPLs, and profitability with fast feedback loops
• Meaningful equity upside aligned with long-term value creation
• Close collaboration with the founder on product, pricing, and scale
• Remote / hybrid setup with periodic KSA exposure

• A preliminary phone call with the recruiter
• An interview with the Founder
• Take home task (credit risk case study)
• A behavioural and technical interview with the Founder + Interim Data lea
• Reference Check
• Offer