About us

Tamara is the leading fintech platform in Saudi Arabia and the wider GCC region with a mission to help people make their dreams come true by building the most customer-centric financial super-app on earth. The company serves millions of users in KSA, UAE and Kuwait, and partners with leading global and regional brands such as SHEIN, Jarir, noon, Amazon, IKEA, eXtra and Farfetch as well as small and medium businesses.

Tamara is Saudi’s first fintech unicorn and is backed by Sanabil Investments, SNB Capital, Checkout.com, amongst others, operating out of its headquarters in Riyadh, Saudi Arabia with other regional and global support offices.

About the role

Tamara’s ambition is to become the region’s favorite way to pay for what we call life’s little essentials – a new way of purchasing designed for and around our customers’ interests. We believe that great design has the ability to engage and inspire.

Role Overview:

As the Risk Policy Manager, you will be responsible for developing, maintaining, and enhancing credit risk policies and underwriting standards for all open loop credit products, including unsecured credit cards and revolving facilities. This role requires strong credit acumen,a strategic mindset to balance risk and growth and prior experience of underwriting and managing credit risk for credit cards. Experience with digital onboarding, underwriting and Fintech in this space would be an asset.

Key Responsibilities:

• Design and maintain robust credit underwriting policies and decisioning frameworks for open loop products, ensuring alignment with Central Bank regulations, the organization’s risk appetite, and strategic business goals.
• Partner with product, analytics, and digital teams to develop risk-aligned offerings and support the launch of new open loop credit products with customized underwriting strategies.
• Define and continuously enhance credit approval criteria, scorecard usage, and segmentation strategies. Monitor underwriting KPIs (approval rates, delinquency, vintage curves) and suggest changes to improve performance.
• Collaborate with Credit Operations, Collections, Compliance, and Technology teams to ensure effective policy implementation, and present credit risk insights and policy updates to senior leadership and governance forums.
  
  

What We’re Looking For:

• Bachelor’s/Master’s degree in Finance, Business, or Engineering or a related field;
• 4-8 years of credit risk experience, with a strong emphasis on credit card and open loop product underwriting.
• Proven ability to design and implement credit policies for unsecured lending products in consumer finance.
• Strong knowledge of credit bureau data, scorecards, and automated decisioning systems.
• Familiarity with Middle East/GCC markets and regulatory frameworks (e.g., UAE Central Bank, Saudi Arabia Monetary Authority SAMA) is preferred

All qualified individuals are encouraged to apply.

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