Credit & Pricing Lead - FinTech

About This Role

We are building a next-generation B2B digital lending platform designed to automate financing decisions through intelligent credit and pricing systems.

We are seeking a Credit & Pricing Lead to architect the core decision-making engine powering the platform.

This is not a traditional underwriting role. Instead of manually reviewing applications, you will design how the system thinks — defining eligibility logic, risk segmentation, pricing methodologies, and financing structures that engineers will translate into an automated decision engine.

You will bridge finance, risk, and technology, transforming financial expertise into scalable algorithms and rule-based systems.

Experience with Shariah-compliant financing structures is highly valued but not mandatory.

Key Responsibilities

1. Credit Decision Engine Design

• Define credit eligibility frameworks for B2B borrowers
• Establish automated approval methodologies
• Design risk segmentation models (Low / Medium / High Risk)
• Develop decision logic including:
• Auto-approval rules
• Rejection thresholds
• Conditional approval workflows
• Create credit exposure and limit management frameworks
• Define acceptable risk appetite aligned with business strategy
• Develop scalable underwriting logic suitable for automation

2. Pricing Strategy & Model Development

• Design risk-based pricing models incorporating:
• Company financial performance
• Cash flow stability
• Sector risk profiles
• Credit history
• Market benchmarks
• Define financing economics including:
• Pricing methodology (interest-based or profit-based)
• Margin structure
• Payment frequency
• Financing tenure
• Build dynamic pricing logic adaptable to portfolio performance
• Ensure pricing balances:
• Growth objectives
• Risk control
• Commercial sustainability

3. Financial Modeling & Financing Structuring

• Design end-to-end digital financing structures
• Develop scalable funding models compatible with automated lending
• Evaluate portfolio-level profitability and loss assumptions
• Ensure structures are:
• Operationally efficient
• Digitally executable
• Commercially viable
• (Optional) Adapt financing models to Shariah-compliant structures such as:
• Murabaha
• Tawarruq
• Ijara
• Profit-rate models

4. Logic & Formula Translation for Engineering

Act as the bridge between finance and technology teams.

• Convert financial models into:
• Mathematical formulas
• Decision trees
• Rule-based workflows
• System logic documentation
• Define:
• Required data inputs (revenue, sector, credit score, behavior data, etc.)
• System outputs (approval status, amount, pricing, tenure)
• Collaborate closely with:
• Product Managers
• Engineers
• Data Scientists
• Support implementation, iteration, and validation of decision models

5. Policy Development & Governance

Develop foundational risk and lending documentation:

• Credit policy framework
• Pricing governance guidelines
• Risk management framework
• Approval authority matrix
• Lending terms & conditions
• Compliance alignment with regulatory requirements
• Support internal and external audit readiness

6. Testing, Validation & Optimization

• Test decision models using:
• Historical datasets
• Simulated borrower scenarios
• Stress-testing assumptions
• Monitor approval outcomes and portfolio performance
• Continuously refine:
• Risk assumptions
• Pricing accuracy
• Decision thresholds
• Improve approval efficiency while maintaining controlled risk exposure

Required Qualifications

• 4–7+ years of experience in:
• Credit underwriting
• Risk modeling
• Lending products or structured financing
• Proven experience designing:
• Credit policies
• Decision frameworks
• Pricing or risk models
• Strong financial modeling and analytical skills
• Ability to translate business logic into system-ready rules and formulas
• Experience working cross-functionally with:
• Product teams
• Engineering teams
• Data teams
• Strong commercial and risk judgment

Preferred / Nice to Have

• Experience within fintech , digital lending, or embedded finance
• Exposure to B2B lending or SME financing
• Experience building automated underwriting or decision engines
• Knowledge of Shariah-compliant finance principles
• Familiarity with APIs, data integrations, or platform-based products

Core Competencies & Skills

• Credit Risk Modeling
• Pricing Strategy Development
• Financial Structuring
• Decision Engine Architecture
• Data-Driven Thinking
• Quantitative Analysis
• Product & Technology Collaboration
• Strategic Problem Solving
• Systems Thinking

What Success Looks Like

Within 3 Months

• Credit framework and pricing philosophy defined
• Decision logic documented and validated
• Risk segmentation methodology finalized

Within 6 Months

• Fully operational automated credit decision engine launched
• Pricing engine embedded into the lending application
• Approval workflows functioning end-to-end

Long-Term Impact

• Optimized approval rates with controlled default risk
• Scalable, automated financing platform
• Strong foundation for portfolio growth and institutional funding

Why Join Us

• Build the core intelligence of a fintech lending platform from scratch
• Direct ownership of the company’s credit DNA
• High-impact role combining finance, product, and technology
• Opportunity to shape modern digital lending in the region