Head of Data & Credit Analytics

Sanabil Studio is a venture builder that blends industry expertise, technology, and startup know-how to turn bold ideas into real businesses. We take concepts from zero to launch, and when a venture proves its potential, we back it with seed funding and hands‑on support to help it scale.

Trade Pay is one of those ventures building the trade finance infrastructure for FMCG in Saudi Arabia. Our mission is to replace informal supplier credit with structured, data-driven working capital that helps small merchants grow, protects suppliers from credit risk, and strengthens the FMCG supply chain. We are building a new credit system for underbanked merchants where risk is priced from real transaction behavior, not balance sheets.

Our model leverages supplier, distributor, and marketplace data to power embedded B2B BNPL experiences across FMCG ecosystems. This is not traditional lending — this is supply-chain-native decisioning built from real commerce data.

• Build and own Trade Pay's merchant scoring and decisioning frameworks
• Develop underwriting, fraud detection, and portfolio monitoring models using supplier, marketplace, and behavioral data
• Design and optimize credit limit allocation, utilization logic, pricing models, and repayment segmentation
• Build analytical frameworks around SKU velocity, merchant behavior, repayment patterns, and transaction frequency
• Partner with Product and Engineering to embed real‑time decisioning into operational systems and APIs
• Develop fraud detection logic and merchant anomaly monitoring systems
• Build dashboards, portfolio reporting, and early warning indicators for operational and executive teams
• Design experiments and analytical tests to optimize approval rates, utilization, repayment behavior, and portfolio health
• Define and manage data pipelines, data quality standards, and analytical governance
• Support future AI/ML evolution of Trade Pay's underwriting and risk engine
• Hire and lead future data science and analytics team members

How Success Will Be Measured Model accuracy and approval rates, portfolio performance and repayment quality, fraud detection effectiveness, speed and reliability of real‑time decisioning, and the strength of the analytical foundations as Trade Pay scales.

Where This Role Can Go Head of Data & Credit Analytics ->
Chief Data Officer as Trade Pay scales its underwriting and risk engine across the region.

You have 6+ years of experience in data science, credit analytics, decisioning, or fintech analytics, with 2+ years in a leadership or senior individual contributor role

You're hands‑on technical with strong SQL and Python skills

You've built underwriting, fraud, or risk models in fintech, BNPL, SME lending, merchant acquiring, or payments

You've worked with alternative or behavioral data models

You have a strong grasp of portfolio analytics, repayment behavior, utilization analysis, and risk segmentation

You've built dashboards and analytical reporting frameworks from scratch

You can work in ambiguity and build systems from zero in an early‑stage environment

You communicate clearly and can translate complex analytical concepts into business insights

You have a builder mentality with strong ownership and execution bias

You're fluent in Arabic and English

Bonus: experience in B2B BNPL, merchant finance, supply chain finance, SME lending, FMCG, marketplaces, embedded finance, fraud analytics, real‑time decisioning systems, ML pipelines, or MENA and emerging markets