Risk Policy Manager

Tamara; Dubai; On-site; AED 150,000 - 210,000; Full time

Job summary

A leading company seeks a Risk Policy Manager to enhance its credit risk policies for open loop products. The role requires a strategic professional with a background in credit risk management and experience in the Fintech space. Candidates should possess strong analytical skills and an understanding of Middle East regulatory frameworks to drive effective risk strategies.

Qualifications

• 4-8 years of credit risk experience with an emphasis on credit card underwriting.
• Strong knowledge of credit bureau data and scorecards.

Responsibilities

• Design and maintain credit underwriting policies for open loop products.
• Collaborate with various teams to implement effective risk management strategies.

Skills

Credit risk management

Underwriting

Credit policies design

Automated decisioning systems

Regulatory knowledge

Education

Bachelor’s/Master’s degree in Finance, Business, or Engineering

Job description

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 in 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.

To learn more about how we protect your privacy, please visit our Candidate privacy notice.

Disclaimer: Naukrigulf.com is only a platform to bring jobseekers and employers together. Applicants are advised to research the bona fides of the prospective employer independently. We do NOT endorse any requests for money payments and strictly advise against sharing personal or bank-related information. We also recommend you visit Security Advice for more information. If you suspect any fraud or malpractice, email us at [e-mail].