Job Description

Roles & Responsibilities

We are looking for a Head of Data & Credit Analytics to build and lead TradePay's decision science, fraud, and portfolio analytics function from the ground up reporting directly to the Founder.

THE ROLE What you'll own here.

-Build and own TradePay's merchant scoring and decisioning frameworks

-Develop underwriting, fraud detection, and portfolio monitoring models using supplier, marketplace, and behavioral data

-Design and optimize credit limit allocation, utilization logic, pricing models, and repayment segmentation

-Build analytical frameworks around SKU velocity, merchant behavior, repayment patterns, and transaction frequency

-Partner with Product and Engineering to embed real-time decisioning into operational systems and APIs

-Develop fraud detection logic and merchant anomaly monitoring systems

-Build dashboards, portfolio reporting, and early warning indicators for operational and executive teams

-Design experiments and analytical tests to optimize approval rates, utilization, repayment behavior, and portfolio health

-Define and manage data pipelines, data quality standards, and analytical governance

-Support future AI/ML evolution of TradePay's underwriting and risk engine

-Hire and lead future data science and analytics team members

How Success Will Be Measured Model accuracy and approval rates, portfolio performance and repayment quality, fraud detection effectiveness, speed and reliability of real-time decisioning, and the strength of the analytical foundations as TradePay scales.

Where This Role Can Go Head of Data & Credit Analytics Chief Data Officer as TradePay scales its underwriting and risk engine across the region.

Desired Candidate Profile

You have 6+ years of experience in data science, credit analytics, decisioning, or fintech analytics, with 2+ years in a leadership or senior individual contributor role

You're hands-on technical with strong SQL and Python skills

You've built underwriting, fraud, or risk models in fintech, BNPL, SME lending, merchant acquiring, or payments

You've worked with alternative or behavioral data models

You have a strong grasp of portfolio analytics, repayment behavior, utilization analysis, and risk segmentation

You've built dashboards and analytical reporting frameworks from scratch

You can work in ambiguity and build systems from zero in an early-stage environment

You communicate clearly and can translate complex analytical concepts into business insights

You have a builder mentality with strong ownership and execution bias

You're fluent in Arabic and English

Bonus: 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