جوبيذر تعلن عن وظيفة رئيس علوم البيانات ومخاطر الائتمان في السعودية
Head Of Data Science & Credit Risk
🏢 Jobgether
تفاصيل الوظيفة
Jobgether تعلن، نيابة عن شركة شريكة، عن توفر وظيفة رئيس قسم علوم البيانات ومخاطر الائتمان (Head of Data Science & Credit Risk) في المملكة العربية السعودية. هذه فرصة قيادية عالية التأثير على تقاطع التعلم الآلي (Machine Learning) ومخاطر الائتمان والشمول المالي، حيث ستتولى تحديد وتوسيع نطاق أنظمة اتخاذ القرار الأساسية التي تدعم الإقراض عبر أسواق متعددة في جنوب شرق آسيا.
المهام والمسؤوليات
- تحديد وقيادة استراتيجية علوم البيانات ومخاطر الائتمان الشاملة، بما في ذلك نماذج الاكتتاب وأطر مخاطر المحفظة وأنظمة اتخاذ القرار.
- تصميم ونشر نماذج متقدمة في التعلم الآلي للتسجيل الائتماني، كشف الاحتيال، التقسيم، وتحسين قيمة العملاء.
- بناء أنابيب قرار في الوقت الفعلي أو شبه الفعلي تدعم الاكتتاب الائتماني القابل للتوسع عبر أسواق متعددة.
- تطوير وتحسين سياسات مخاطر الائتمان، استراتيجيات الموافقة، وعتبات المخاطر بما يتوافق مع نمو الأعمال وصحة المحفظة.
- وضع معايير MLOps لنشر النماذج ومراقبتها وإدارة إصداراتها وتتبع أدائها في بيئات الإنتاج.
- قيادة تحليلات مخاطر المحفظة، بما في ذلك اختبارات التحمل ونمذجة خسائر الائتمان المتوقعة وأنظمة الإنذار المبكر للتدهور.
- التعاون مع فرق المالية والمنتجات والعمليات لتحسين اقتصاديات الوحدة واستراتيجيات المخصصات وتخصيص رأس المال.
- ترجمة المخرجات التحليلية المعقدة إلى رؤى واضحة وقابلة للتنفيذ للإدارة التنفيذية ومناقشات مجلس الإدارة.
- قيادة ثقافة التجريب، بما في ذلك أطر اختبار A/B والتحسين القائم على البيانات للمنتجات.
- بناء وتوسيع الشراكات مع مزودي البيانات الخارجيين ومكاتب الائتمان وأنظمة البيانات البديلة.
- توظيف وتوجيه وتطوير فريق عالي الأداء من علماء البيانات ومحللي المخاطر.
الشروط والمتطلبات
- 10+ سنوات من الخبرة في علوم البيانات، التعلم الآلي، ومخاطر الائتمان الاستهلاكي في بيئات التكنولوجيا المالية (Fintech) أو الإقراض الرقمي أو BNPL أو EWA.
- سجل مثبت في بناء ونشر وصيانة نماذج تعلم آلي إنتاجية ضمن أنظمة اتخاذ قرار في الوقت الفعلي أو شبه الفعلي.
- خبرة قوية في إدارة محافظ الائتمان وتصميم سياسات ائتمانية عبر بيئات سوق واحدة أو متعددة.
- خبرة عميقة في النمذجة الإحصائية وتقنيات التعلم الآلي وتحليل البيانات على نطاق واسع.
- مهارات قوية في SQL وخبرة عملية مع منصات البيانات السحابية (مثل GCP أو BigQuery أو ما يعادلها).
- خبرة قيادية مثبتة في بناء وتوسيع الفرق التقنية مع البقاء منخرطًا تقنيًا.
- القدرة على توصيل المفاهيم التقنية والتحليلية المعقدة بوضوح إلى أصحاب المصلحة التجاريين والتنفيذيين.
- فهم قوي لأطر التجريب مثل اختبار A/B وأساليب الاستدلال السببي (causal inference).
- خبرة في مجال مخاطر التكنولوجيا المالية أو أنظمة الاكتتاب أو منتجات الإقراض ذات التأثير التجاري القوي.
- الإلمام بأسواق الائتمان في جنوب شرق آسيا أو مصادر البيانات البديلة أو الأطر التنظيمية يُعتبر ميزة قوية.
- الخبرة مع أدوات MLOps (مثل MLflow أو منصات مشابهة) مرغوبة للغاية.
المزايا
- حزمة رواتب تنافسية تتماشى مع الخبرة ومعايير السوق.
- مشاركة في الأسهم (Equity) في شركة ناشئة عالية النمو في مجال التكنولوجيا المالية.
- فرصة لبناء قدرات مخاطر الائتمان والتعلم الآلي من الصفر.
- دور عالي التأثير يساهم بشكل مباشر في الشمول المالي عبر الأسواق الناشئة.
- بيئة سريعة الخطى وموجهة برسالة مع درجة عالية من الملكية والاستقلالية.
- الوصول إلى مجموعة تقنيات تعلم آلي حديثة وبنية تحتية سحابية أصلية.
- فرص تقدم وظيفي قوية في منظمة سريعة التوسع.
- ثقافة تركز على التجريب والابتكار واتخاذ القرارات القائمة على البيانات.
عرض النص الأصلي للإعلان
This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Head of Data Science & Credit Risk based in Saudi Arabia.
This is a high-impact leadership role at the intersection of machine learning, credit risk, and financial inclusion, where you will define and scale the core decisioning systems that power lending across multiple Southeast Asian markets. You will own the end-to-end credit intelligence strategy, from model development and deployment to portfolio performance and business outcomes. In this role, you will lead a multidisciplinary team of data scientists and risk analysts, building advanced ML-driven underwriting systems that balance growth, profitability, and risk discipline. You will operate as a key strategic partner to senior leadership, shaping credit policy, risk appetite, and expansion strategy. The environment is fast-paced, data-driven, and mission-oriented, with strong emphasis on experimentation, scalability, and real-world impact. This is a unique opportunity to build credit risk and machine learning capabilities from the ground up in a rapidly scaling fintech.
Accountabilities
We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.
We appreciate your interest and wish you the best!
Why Apply Through Jobgether?
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
This is a high-impact leadership role at the intersection of machine learning, credit risk, and financial inclusion, where you will define and scale the core decisioning systems that power lending across multiple Southeast Asian markets. You will own the end-to-end credit intelligence strategy, from model development and deployment to portfolio performance and business outcomes. In this role, you will lead a multidisciplinary team of data scientists and risk analysts, building advanced ML-driven underwriting systems that balance growth, profitability, and risk discipline. You will operate as a key strategic partner to senior leadership, shaping credit policy, risk appetite, and expansion strategy. The environment is fast-paced, data-driven, and mission-oriented, with strong emphasis on experimentation, scalability, and real-world impact. This is a unique opportunity to build credit risk and machine learning capabilities from the ground up in a rapidly scaling fintech.
Accountabilities
- Define and lead the end-to-end data science and credit risk strategy, including underwriting models, portfolio risk frameworks, and decisioning systems.
- Design and deploy advanced machine learning models for credit scoring, fraud detection, segmentation, and customer value optimization.
- Build real-time and near-real-time decisioning pipelines supporting scalable credit underwriting across multiple markets.
- Develop and continuously improve credit risk policies, approval strategies, and risk thresholds aligned with business growth and portfolio health.
- Establish MLOps standards for model deployment, monitoring, versioning, and performance tracking in production environments.
- Lead portfolio risk analytics, including stress testing, expected credit loss modeling, and early warning systems for deterioration.
- Partner with finance, product, and operations teams to optimize unit economics, provisioning strategies, and capital allocation.
- Translate complex analytical outputs into clear, actionable insights for executive leadership and board-level discussions.
- Drive experimentation culture, including A/B testing frameworks and data-driven product optimization.
- Build and scale partnerships with external data providers, credit bureaus, and alternative data ecosystems.
- Recruit, mentor, and develop a high-performing team of data scientists and risk analysts.
- 10+ years of experience in data science, machine learning, and consumer credit risk within fintech, digital lending, BNPL, or EWA environments.
- Proven track record of building, deploying, and maintaining production ML models within real-time or near-real-time decisioning systems.
- Strong experience managing credit portfolios and designing credit policies across single or multi-market environments.
- Deep expertise in statistical modeling, machine learning techniques, and large-scale data analysis.
- Strong SQL skills and hands-on experience with cloud-based data platforms (e.g., GCP, BigQuery, or equivalent).
- Demonstrated leadership experience building and scaling technical teams while remaining technically engaged.
- Ability to communicate complex technical and analytical concepts clearly to business and executive stakeholders.
- Strong understanding of experimentation frameworks such as A/B testing and causal inference approaches.
- Experience in fintech risk, underwriting systems, or lending products with strong business impact.
- Familiarity with Southeast Asian credit markets, alternative data sources, or regulatory frameworks is a strong plus.
- Experience with MLOps tooling (e.g., MLflow or similar platforms) is highly desirable.
- Competitive salary package aligned with experience and market standards
- Equity participation in a high-growth fintech scale-up
- Opportunity to build credit risk and ML capabilities from the ground up
- High-impact role directly contributing to financial inclusion across emerging markets
- Fast-paced, mission-driven environment with strong ownership and autonomy
- Access to modern ML stack and cloud-native infrastructure
- Strong career progression opportunities in a rapidly expanding organization
- Culture focused on experimentation, innovation, and data-driven decision-making
We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.
We appreciate your interest and wish you the best!
Why Apply Through Jobgether?
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
المصدر: LinkedIn - أُضيفت للموقع في 19 يونيو 2026