Head of Data & Credit Analytics

Job Summary

The Head of Data & Credit Analytics at TradePay, a venture by Sanabil Studio in Riyadh, leads the development and management of decision science, fraud detection, and portfolio analytics functions to support trade finance for FMCG merchants.

Responsibilities

• Create and manage merchant scoring and decision-making frameworks.
• Develop models for underwriting, fraud detection, and portfolio monitoring using supplier, marketplace, and behavioral data.
• Design credit limit allocation, utilization logic, pricing models, and repayment segmentation.
• Build analytical frameworks analyzing SKU velocity, merchant behavior, repayment patterns, and transaction frequency.
• Collaborate with Product and Engineering teams to integrate real-time decisioning into systems and APIs.
• Develop fraud detection and merchant anomaly monitoring systems.
• Construct dashboards, portfolio reports, and early warning indicators for operational and executive use.
• Design experiments and analytical tests to improve approval rates, utilization, repayment behavior, and portfolio health.

Requirements

• 6+ years in data science, credit analytics, decisioning, or fintech analytics with 2+ years in leadership or senior roles.
• Strong hands-on skills in SQL and Python.
• Experience building underwriting, fraud, or risk models in fintech, BNPL, SME lending, merchant acquiring, or payments.
• Familiarity with alternative or behavioral data models.
• Knowledge of portfolio analytics, repayment behavior, utilization analysis, and risk segmentation.
• Experience creating dashboards and analytical reporting frameworks from scratch.
• Ability to work in ambiguous, early-stage environments and build systems from zero.
• Clear communication skills to translate complex analytics into business insights.
• Strong ownership and execution mindset.
• Fluency in Arabic and English.

Nice to haves

• Experience in B2B BNPL, merchant finance, supply chain finance, SME lending, FMCG, marketplaces, embedded finance, fraud analytics, real-time decisioning systems, ML pipelines, or MENA and emerging markets.

What the company offers

• Competitive pay aligned with experience and market standards.
• Meaningful equity linked to long-term value creation.
• Access to real FMCG transaction data across suppliers, distributors, and marketplaces.
• Premium equipment provided from day one.
• Mentorship from the Founder and leadership team with venture-building experience.

We refresh listings regularly, but some roles close early on the source platform.