Risk Policy Architect – Lending & Growth

Astra Tech Group; Abu Dhabi; On-site; AED 300,000 - 540,000; Full time

Job summary

Botim, a leading super app in the Middle East, is seeking a Risk Policy Manager to develop and optimise risk strategies across the lending lifecycle, including admission, approval, and credit limit management. The role partners with Growth, Marketing and Product to balance portfolio quality with customer growth and profitability, while maintaining strong risk controls.

If you have a background in consumer or digital lending and a data-driven mindset, this is an opportunity to shape risk policy

Qualifications

• Experience in credit risk policy, lending strategy, or risk management in consumer fintech.
• Strong understanding of admission, approval, limit management, and the lending lifecycle.
• Experience developing risk policies for new and existing customers.
• Strong analytical skills to interpret data, identify risk trends, and evaluate policy performance.
• Experience with data, risk modelling, or quantitative analysis to inform policy.
• Excellent stakeholder management across Risk, Product, Growth, and Marketing.
• Commercial mindset balancing risk controls with growth and profitability.

Responsibilities

• Develop and optimise customer admission and loan approval policies by risk indicators.
• Design application processes to improve data quality and information accuracy.
• Set differentiated credit limit strategies based on customer risk.
• Collaborate with Growth to enhance risk assessment using channel data.
• Develop policies for repeat borrowers based on behaviour and risk.
• Monitor policy performance to improve portfolio quality and profitability.

Skills

Credit risk policy

Lending strategy

Risk management

Data analysis

Risk modelling

Quantitative analysis

Stakeholder management

Commercial acumen

Job description

Botim, a leading super app in the Middle East, is seeking a Risk Policy Manager to develop and optimise risk strategies across the lending lifecycle, including admission, approval, and credit limit management. The role partners with Growth, Marketing and Product to balance portfolio quality with customer growth and profitability, while maintaining strong risk controls.

If you have a background in consumer or digital lending and a data-driven mindset, this is an opportunity to shape risk policy