(1) Head of Credit Strategy & Policy and (1) Head of Credit Risk
(1) Head of Credit Strategy & Policy and (1) Head of Credit Risk Both Director Level | FinTech | UAE To avoid disappointment, please only apply if you have current relevant experience and are more motivated by the opportunity than the reward.
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About This Role
Overview
(1) Head of Credit Strategy & Policy and (1) Head of Credit Risk
Both Director Level \| FinTech \| UAE
To avoid disappointment, please only apply if you have current relevant experience and are more motivated by the opportunity than the reward.
*Build the Future of Credit*
*We're exclusively partnering with one of the region's fastest-growing fintech businesses on a mission to reinvent access to credit through technology, data, and intelligent decisioning.*
*Operating at the intersection of financial services, AI, and digital innovation, the company is scaling rapidly and transforming how consumers and businesses access financial products.
To support the next phase of growth, we're seeking an exceptional Head of Credit Strategy & Policy and also Head of Credit Risk to lead the evolution of its credit risk framework and lending strategy.*
*This is a rare opportunity to shape the future of a high-growth lending platform, influence executive decision-making, and build next-generation credit capabilities powered by advanced analytics and automation.*
The Opportunity
As Head of Credit Strategy & Policy, you will own the end-to-end credit lifecycle, from customer acquisition and underwriting through portfolio optimisation and risk governance.
You'll combine commercial thinking with data-driven decision making to create scalable credit strategies that enable rapid growth while maintaining strong portfolio performance.
Working closely with Product, Data Science, Engineering, Finance, and Executive Leadership teams, you'll help define how modern lending should work in a digital-first environment.
Shape Lending Strategy
- Define and execute the company's credit strategy across multiple lending products and customer segments.
- Establish risk appetite frameworks that support ambitious growth targets while maintaining disciplined risk management.
- Develop innovative underwriting approaches using alternative data, behavioural insights, and machine learning outputs.
- Continuously evolve decisioning strategies to improve customer outcomes and portfolio performance.
Build Next-Generation Credit Capabilities
- Lead the development of scalable, technology-enabled credit policies and governance frameworks.
- Partner with Product and Engineering teams to embed risk intelligence directly into customer journeys.
- Drive automation and real-time decisioning initiatives across the lending ecosystem.
- Champion experimentation through test-and-learn frameworks, challenger strategies, and rapid iteration.
Optimise Portfolio Performance
- Own portfolio monitoring, performance management, and credit optimisation initiatives.
- Identify emerging trends, risks, and growth opportunities through advanced analytics.
- Develop proactive strategies to enhance approval rates, customer acquisition, profitability, and loss performance.
- Drive continuous improvement across underwriting, account management, and collections strategies.
Lead Through Data
- Collaborate closely with Data Science teams to develop, validate, and enhance credit models.
- Leverage AI, predictive analytics, and modern data infrastructure to improve risk segmentation and customer decisioning.
- Translate complex analytics into clear business recommendations for executive stakeholders.
- Build a culture where data informs every major lending decision.
Influence at Executive Level
- Serve as a trusted advisor to senior leadership on credit, growth, and risk strategy.
- Lead governance forums, credit committees, and strategic planning discussions.
- Shape the long-term vision for lending and risk capabilities as the business scales.
Experience
- 10+ years of experience within Credit Risk, Credit Strategy, Lending Analytics, Portfolio Management, or Consumer Finance.
- Significant experience gained within fintech, challenger banking, digital lending, BNPL, embedded finance, or innovative financial services environments.
- Proven track record of building and scaling credit strategies in high-growth organisations.
- Experience managing lending portfolios through periods of rapid expansion and change.
- Strong understanding of digital lending economics and customer lifecycle management.
Technical & Analytical Expertise
- Deep knowledge of credit decisioning, underwriting, scorecards, portfolio analytics, and risk governance.
- Experience working alongside data scientists and machine learning teams.
- Familiarity with automated decision engines and modern lending technology platforms.
- Strong analytical mindset with the ability to translate data into actionable business outcomes.
Leadership & Mindset
- Entrepreneurial and commercially minded.
- Comfortable operating in fast-moving, evolving environments.
- Able to balance innovation with
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