This job posting has expired
Expired on April 16, 2026
Data Scientist - Credit Risk
Job Description
We are seeking a Data Scientist – Credit Risk to support and enhance credit decisioning strategies within our Buy Now Pay Later (BNPL) business. The role will focus on developing, validating, and optimizing credit risk models to manage portfolio performance, and support sustainable growth in compliance with SAMA regulations.
Responsibilities
- Develop and maintain credit risk models (application scorecards, behavioral models, fraud models)
- Build predictive models for default probability, loss forecasting, and customer segmentation
- Analyze large structured and unstructured datasets to generate risk insights
- Monitor portfolio performance, delinquency trends, roll rates, and vintage analysis
- Collaborate with related teams to enhance credit decisioning engines
- Implement A/B testing and champion/challenger strategies
- Ensure compliance with SAMA regulatory requirements
- Automate reporting dashboards and performance tracking using BI tools
Qualifications
- Bachelor’s or Master’s degree in Data Science, Statistics, Mathematics, Computer Science, or related field
- 3–6+ years of experience in credit risk modeling (preferably in fintech, BNPL, or banking in KSA)
- Strong understanding of credit lifecycle, underwriting, and collections analytics
- Experience working under SAMA regulatory framework is preferred
- Proficiency in Python, SQL, and data visualization tools (Power BI/Tableau)
- Hands-on experience with machine learning techniques
- Knowledge of local credit bureau systems (SIMAH)
- Experience with big data tools
- Arabic language proficiency