About Us

Tamara is the leading fintech platform in Saudi Arabia and the wider GCC region with a mission to help people make their dreams come true by building the most customer-centric financial super-app on earth. The company serves millions of users in KSA, UAE and Kuwait, and partners with leading global and regional brands such as SHEIN, Jarir, noon, Amazon, IKEA, eXtra and Farfetch as well as small and medium businesses.

Tamara is Saudi's first fintech unicorn and is backed by Sanabil Investments, SNB Capital, Checkout.com, amongst others, operating out its headquarters in Riyadh, Saudi Arabia with other regional and global support offices.

Your role

We're seeking a Credit Risk Analyst for our Risk team. You will be crucial in optimizing collections strategies, mitigating risks, and ensuring efficient debt recovery processes while delivering an exceptional customer experience.

Drawing on your proficiency in enhancing Tamara’s credit risk framework through data-driven insights and operational excellence, you will be responsible for actively developing, and enhancing collection tactics to recover outstanding debts while prioritizing customer experience and regulatory compliance to create unique experience only Tamara can provide.

With a proven track record of experience in operations, collections, risk management, strong analytical and problem-solving skills, coupled with proficiency in data analysis tools, and ultimately revolutionized the way millions of users shop, pay, and bank.

You are a driven, determined, curious team player, knowing that collective strength means we all win. With a positive outlook, you are solution-oriented–persevering regardless of circumstances, always finding a way through, no matter the challenges.

You will effectively find a way to work with everyone through empathy and respect. You will be driven and comfortable with responding quickly with urgency, with the ability to change course without losing momentum and energy, resulting in great success.

Your responsibilities

Develop, implement, and refine collections strategies to optimize recovery rates while maintaining customer satisfaction and in accordance with regulatory requirements.
Coordinate and implement collection policies and procedures.
Monitor and analyze collections performance metrics, identifying trends and areas for improvement.
Evaluate, onboard, and manage potential collection agencies for KSA.
Coordinate with collection agencies to improve day-to-day collections performance.
Conduct audits on each agency, ensuring adherence to collection policies, procedures, and compliance with regulatory guidelines.
Handle and manage escalations and queries related to SIMAH (Saudi Credit Bureau).
Provide operational and local support for different departments, including Credit Risk Policy and Product teams.
Generate regular reports on collections performance, providing actionable insights to senior management.
Support the development and maintenance of scorecards and predictive models for collections and recovery.
Participate in projects to automate and enhance collections processes, leveraging technology and best practices.
Stay updated on industry trends and advancements in collections and risk management.

Your expertise

Bachelor’s degree/Graduate in Finance, Economics, Engineering,Business Administration, or a related field.
1-3 years of experience in operations, collections, risk management, or a related role in financial services is preferable.
Ability to quickly learn and retain new procedures.
Strong analytical and problem-solving skills with proficiency in data analysis tools (e.g., Excel, SQL).
Excellent written and verbal communication skills in Arabic and English.

All qualified individuals are encouraged to apply.

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