Job Summary:

We’re now looking for a Head of Credit to lead our credit function. This is a key leadership role for someone excited to shape credit policy, drive underwriting automation, and build resilient risk infrastructure and collections for a fast scaling B2B business.

What you will do (Key Responsibilities):

• Design and Own Credit Strategy
• Develop and continuously refine credit risk policies and underwriting models specific to our client base in the construction sector.
• Define portfolio segmentation, limits, and performance targets that enable business growth while adhering to our risk tolerance.
  
  
• Define, Automate and Scale the Credit Cycle
• Define and enhance process workflows to stream line the entire credit cycle from underwriting to collection.
• Collaborate with product, data, and engineering teams to design automated credit decisioning workflows.
• Leverage first and foremost alternative information (e.g., project size under management, payment history) to improve decision quality and speed vs. traditional information (e.g. financial accounts).
  
  
• Risk Analytics and Monitoring
• Build frameworks to track portfolio health, early warning indicators, and default drivers.
• Develop dashboards and KPIs to inform leadership and investors of risk trends.
  
  
• Risk-Based Pricing Strategy
• Develop pricing models that align credit risk with return objectives, taking into account borrower profile, industry volatility, and loan structure.
• Collaborate with finance and product teams to calibrate profit rates based on risk-adjusted economics.
  
  
• Team Leadership
• Build and lead a high-performing credit analytics and collections team.
• Collaborate with internal and external stakeholders in a dynamic environment
  
  
• Regulatory and Compliance Oversight
• Ensure credit policies and practices comply with relevant lending regulations and best practices.
• Stay ahead of regulatory trends in credit risk, SME lending, and financial data use.

Who you are (Qualifications):

• 7–10 years of experience in credit risk, preferably in SME lending, fintech, or commercial banking.
• Proven experience designing and implementing credit policies and risk models.
• Experience in having successfully implemented automated underwriting or decision engines.
• Strong understanding of the construction industry, or industries with long cash flow cycles, and their unique credit risks is a plus.
• Data-savvy, with comfort using SQL, Python, or analytics tools to derive insights.
• Familiarity with (or eagerness to) learn principles of Islamic Financing.
• Strong leadership, communication, and stakeholder management skills.
• Exposure to machine learning or AI-based underwriting models.
• Familiarity with alternative data providers.

What we offer:

• Great opportunity to be part of a start-up with a lot of responsibility and independence early on.
• Collaborative, mission-driven culture with real impact.
• Non-stop Learning before everything.
• Exciting stock options and Premium health insurance.
• Attractive compensation package.
• Access to the region’s greatest minds, helping with your learning and development.
• Product first mindset, we’re all collaborating to build the greatest experience for our customers.
• The best idea wins; we are all ears when it comes to ways to do things better.