Head of Data & Credit Analytics

We are looking for a Head of Data amp Credit Analytics to build and lead Trade Pay s decision science fraud and portfolio analytics function from the ground up reporting directly to the Founder.

• 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

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.

Head of Data amp 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