{"id":6531,"date":"2026-09-17T20:15:58","date_gmt":"2026-09-17T20:15:58","guid":{"rendered":"https:\/\/mawahebna.com\/?post_type=awsm_job_openings&#038;p=6531"},"modified":"2026-09-17T20:15:59","modified_gmt":"2026-09-17T20:15:59","slug":"head-of-data-credit-analytics-sanabil-studio-riyadh","status":"publish","type":"awsm_job_openings","link":"https:\/\/mawahebna.com\/ar\/job\/head-of-data-credit-analytics-sanabil-studio-riyadh\/","title":{"rendered":"\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (Head of Data &amp; Credit Analytics)"},"content":{"rendered":"\n<div class=\"mjbar\" dir=\"rtl\" lang=\"ar\">\n<p class=\"mjbar-intro\">\u062a\u0642\u062f\u0645 Sanabil Studio \u0641\u0631\u0635\u0629 \u0639\u0645\u0644 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636 \u0644\u0645\u0646\u0635\u0628 Head of Data &amp; Credit Analytics \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629. \u064a\u0631\u0643\u0632 \u0627\u0644\u062f\u0648\u0631 \u0639\u0644\u0649 \u0628\u0646\u0627\u0621 \u0648\u062a\u062d\u0644\u064a\u0644 \u0623\u0646\u0638\u0645\u0629 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<h2 class=\"mjbar-h2\">\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0648\u0638\u064a\u0641\u0629<\/h2>\n<ul class=\"mjbar-facts\">\n<li><strong>\u0627\u0644\u0634\u0631\u0643\u0629:<\/strong> Sanabil Studio<\/li>\n<li><strong>\u0627\u0644\u0645\u062f\u064a\u0646\u0629:<\/strong> \u0627\u0644\u0631\u064a\u0627\u0636 (Riyadh)<\/li>\n<li><strong>\u0627\u0644\u062f\u0648\u0644\u0629:<\/strong> \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 (Saudi Arabia)<\/li>\n<li><strong>\u0646\u0648\u0639 \u0627\u0644\u062f\u0648\u0627\u0645:<\/strong> \u062f\u0648\u0627\u0645 \u0643\u0627\u0645\u0644 (Full Time)<\/li>\n<li><strong>\u0627\u0644\u0645\u0633\u062a\u0648\u0649:<\/strong> \u0645\u062f\u064a\u0631 \u062a\u0646\u0641\u064a\u0630\u064a (Director)<\/li>\n<li><strong>\u0627\u0644\u0645\u062c\u0627\u0644:<\/strong> \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0639\u0644\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (AI\/ML \/ Data Science)<\/li>\n<\/ul>\n<p class=\"mjbar-notice\">\u0627\u0644\u0648\u0635\u0641 \u0627\u0644\u0643\u0627\u0645\u0644 \u0644\u0647\u0630\u0647 \u0627\u0644\u0648\u0638\u064a\u0641\u0629 \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0647\u0627 \u0648\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0639\u0644\u064a\u0647\u0627 \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629\u060c \u0648\u0647\u064a \u0645\u0639\u0631\u0648\u0636\u0629 \u0623\u062f\u0646\u0627\u0647 \u0643\u0645\u0627 \u0648\u0631\u062f\u062a \u0645\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644 \u062f\u0648\u0646 \u0623\u064a \u062a\u0639\u062f\u064a\u0644 \u0623\u0648 \u062a\u0631\u062c\u0645\u0629.<\/p>\n<\/div>\n<div class=\"mjbar-en\" dir=\"ltr\" lang=\"en\">\n<h3>Job Summary<\/h3><p>The Head of Data &amp; 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.<\/p><h3>Responsibilities<\/h3><ul><li>Create and manage merchant scoring and decision-making frameworks.<\/li><li>Develop models for underwriting, fraud detection, and portfolio monitoring using supplier, marketplace, and behavioral data.<\/li><li>Design credit limit allocation, utilization logic, pricing models, and repayment segmentation.<\/li><li>Build analytical frameworks analyzing SKU velocity, merchant behavior, repayment patterns, and transaction frequency.<\/li><li>Collaborate with Product and Engineering teams to integrate real-time decisioning into systems and APIs.<\/li><li>Develop fraud detection and merchant anomaly monitoring systems.<\/li><li>Construct dashboards, portfolio reports, and early warning indicators for operational and executive use.<\/li><li>Design experiments and analytical tests to improve approval rates, utilization, repayment behavior, and portfolio health.<\/li><\/ul><h3>Requirements<\/h3><ul><li>6+ years in data science, credit analytics, decisioning, or fintech analytics with 2+ years in leadership or senior roles.<\/li><li>Strong hands-on skills in SQL and Python.<\/li><li>Experience building underwriting, fraud, or risk models in fintech, BNPL, SME lending, merchant acquiring, or payments.<\/li><li>Familiarity with alternative or behavioral data models.<\/li><li>Knowledge of portfolio analytics, repayment behavior, utilization analysis, and risk segmentation.<\/li><li>Experience creating dashboards and analytical reporting frameworks from scratch.<\/li><li>Ability to work in ambiguous, early-stage environments and build systems from zero.<\/li><li>Clear communication skills to translate complex analytics into business insights.<\/li><li>Strong ownership and execution mindset.<\/li><li>Fluency in Arabic and English.<\/li><\/ul><h3>Nice to haves<\/h3><ul><li>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.<\/li><\/ul><h3>What the company offers<\/h3><ul><li>Competitive pay aligned with experience and market standards.<\/li><li>Meaningful equity linked to long-term value creation.<\/li><li>Access to real FMCG transaction data across suppliers, distributors, and marketplaces.<\/li><li>Premium equipment provided from day one.<\/li><li>Mentorship from the Founder and leadership team with venture-building experience.<\/li><\/ul>\n\n<div class=\"mjb-apply-buttons\" style=\"display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin:32px 0 16px\"><a class=\"mjb-apply-btn\" href=\"https:\/\/www.linkedin.com\/jobs\/view\/4467556409\/?utm_source=mawahebna&amp;utm_medium=job_board&amp;utm_campaign=linkedin_bridge\" target=\"_blank\" rel=\"nofollow noopener\" style=\"display:inline-block;background:#ff670f;color:#000;border:1px solid #333333;border-radius:4px;padding:15px 30px;font-size:16px;font-weight:600;line-height:1.2;text-decoration:none;text-align:center\">Apply Here<\/a><a class=\"mjb-browse-btn\" href=\"https:\/\/mawahebna.com\/ar\/jobs\/\" style=\"display:inline-block;background:#ff670f;color:#000;border:1px solid #333333;border-radius:4px;padding:15px 30px;font-size:16px;font-weight:600;line-height:1.2;text-decoration:none;text-align:center\">Browse Other Jobs<\/a><\/div><blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>We refresh listings regularly, but some roles close early on the source platform.<\/p><\/blockquote>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u062a\u0642\u062f\u0645 Sanabil Studio \u0641\u0631\u0635\u0629 \u0639\u0645\u0644 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636 \u0644\u0645\u0646\u0635\u0628 Head of Data &amp; Credit Analytics \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0633\u0644\u0639 [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":6530,"template":"","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}}},"class_list":["post-6531","awsm_job_openings","type-awsm_job_openings","status-publish","has-post-thumbnail","hentry","city-saudi-arabia","job-location-riyadh","job-category-ai-ml-data-science","job-type-full-time","company-name-sanabil-studio","seniority-level-director"],"uagb_featured_image_src":{"full":["https:\/\/mawahebna.com\/wp-content\/uploads\/2026\/09\/sanabil-studio-logo-2.jpg",100,100,false],"thumbnail":["https:\/\/mawahebna.com\/wp-content\/uploads\/2026\/09\/sanabil-studio-logo-2.jpg",100,100,false],"medium":["https:\/\/mawahebna.com\/wp-content\/uploads\/2026\/09\/sanabil-studio-logo-2.jpg",100,100,false],"medium_large":["https:\/\/mawahebna.com\/wp-content\/uploads\/2026\/09\/sanabil-studio-logo-2.jpg",100,100,false],"large":["https:\/\/mawahebna.com\/wp-content\/uploads\/2026\/09\/sanabil-studio-logo-2.jpg",100,100,false],"1536x1536":["https:\/\/mawahebna.com\/wp-content\/uploads\/2026\/09\/sanabil-studio-logo-2.jpg",100,100,false],"2048x2048":["https:\/\/mawahebna.com\/wp-content\/uploads\/2026\/09\/sanabil-studio-logo-2.jpg",100,100,false]},"uagb_author_info":{"display_name":"","author_link":"https:\/\/mawahebna.com\/ar\/author\/"},"uagb_comment_info":0,"uagb_excerpt":"\u062a\u0642\u062f\u0645 Sanabil Studio \u0641\u0631\u0635\u0629 \u0639\u0645\u0644 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636 \u0644\u0645\u0646\u0635\u0628 Head of Data &amp; Credit Analytics \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0633\u0644\u0639 [&hellip;]","_links":{"self":[{"href":"https:\/\/mawahebna.com\/ar\/wp-json\/wp\/v2\/awsm_job_openings\/6531","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mawahebna.com\/ar\/wp-json\/wp\/v2\/awsm_job_openings"}],"about":[{"href":"https:\/\/mawahebna.com\/ar\/wp-json\/wp\/v2\/types\/awsm_job_openings"}],"wp:attachment":[{"href":"https:\/\/mawahebna.com\/ar\/wp-json\/wp\/v2\/media?parent=6531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}