We are building a next-generation B2B digital lending platform designed to automate financing decisions through intelligent credit and pricing systems. We are seeking a Credit & Pricing Lead to architect the core decision-making engine powering the platform. This is not a traditional underwriting role. Instead of manually reviewing applications, you will design how the system thinks — defining eligibility logic, risk segmentation, pricing methodologies, and financing structures that engineers will translate into an automated decision engine. You will bridge finance, risk, and technology, transforming financial expertise into scalable algorithms and rule-based systems. Experience with Shariah-compliant financing structures is highly valued but not mandatory. Key Responsibilities
1. Credit Decision Engine Design Define credit eligibility frameworks for B2B borrowers Establish automated approval methodologies Design risk segmentation models (Low / Medium / High Risk) Develop decision logic including:Auto-approval rules Rejection thresholds Conditional approval workflows Create credit exposure and limit management frameworks Define acceptable risk appetite aligned with business strategy Develop scalable underwriting logic suitable for automation2. Pricing Strategy & Model Development Design risk-based pricing models incorporating:Company financial performance Cash flow stability Sector risk profiles Credit history Market benchmarks Define financing economics including:Pricing methodology (interest-based or profit-based) Margin structure Payment frequency Financing tenure Build dynamic pricing logic adaptable to portfolio performance Ensure pricing balances:Growth objectives Risk control Commercial sustainability3. Financial Modeling & Financing Structuring Design end-to-end digital financing structures Develop scalable funding models compatible with automated lending Evaluate portfolio-level profitability and loss assumptions Ensure structures are:Operationally efficient Digitally executable Commercially viable(Optional) Adapt financing models to Shariah-compliant structures such as:Murabaha Tawarruq Ijara Profit-rate models4. Logic & Formula Translation for Engineering Act as the bridge between finance and technology teams. Convert financial models into:Mathematical formulas Decision trees Rule-based workflows System logic documentation Define:Required data inputs (revenue, sector, credit score, behavior data, etc.) System outputs (approval status, amount, pricing, tenure) Collaborate closely with:Product Managers Engineers Data Scientists Support implementation, iteration, and validation of decision models5. Policy Development & Governance Develop foundational risk and lending documentation:Credit policy framework Pricing governance guidelines Risk management framework Approval authority matrix Lending terms & conditions Compliance alignment with regulatory requirements Support internal and external audit readiness6. Testing, Validation & Optimization Test decision models using:Historical datasets Simulated borrower scenarios Stress-testing assumptions Monitor approval outcomes and portfolio performance Continuously refine:Risk assumptions Pricing accuracy Decision thresholds Improve approval efficiency while maintaining controlled risk exposure
Required Qualifications4–7+ years of experience in:Credit underwriting Risk modeling Lending products or structured financing Proven experience designing:Credit policies Decision frameworks Pricing or risk models Strong financial modeling and analytical skills Ability to translate business logic into system-ready rules and formulas Experience working cross-functionally with:Product teams Engineering teams Data teams Strong commercial and risk judgment Preferred / Nice to Have Experience within fintech, digital lending, or embedded finance Exposure to B2B lending or SME financing Experience building automated underwriting or decision engines Knowledge of Shariah-compliant finance principles Familiarity with APIs, data integrations, or platform-based products Core Competencies & Skills Credit Risk Modeling Pricing Strategy Development Financial Structuring Decision Engine Architecture Data-Driven Thinking Quantitative Analysis Product & Technology Collaboration Strategic Problem Solving Systems Thinking
What Success Looks Like Within 3 Months Credit framework and pricing philosophy defined Decision logic documented and validated Risk segmentation methodology finalized Within 6 Months Fully operational automated credit decision engine launched Pricing engine embedded into the lending application Approval workflows functioning end-to-end Long-Term Impact Optimized approval rates with controlled default risk Scalable, automated financing platform Strong foundation for portfolio growth and institutional funding Why Join UsBuild the core intelligence of a fintech lending platform from scratch Direct ownership of the company’s credit DNAHigh-impact role combining finance, product, and technology Opportunity to shape modern digital lending in the region