Head of Data & Credit Analytics

Job description

the employer announces its need for Head of Data & Credit Analytics to work in the Riyadh region. Key responsibilities include: Python, Databases SQL, Supply chains, 6+ years of experience. 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. TradePay 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. We are looking for a lytics to build and lead TradePay's decision science, fraud, and portfolio analytics function from the ground up - reporting directly to the Founder. THE ROLE What you'll own here. -Build and own TradePay'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 TradePay'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, speed and reliability of real-time decisioning, and the strength of the analytical foundations as TradePay scales. Where This Role Can Go Head of Data & Credit Analytics → Chief Data Officer as TradePay scales its underwriting and risk engine across the region. THE PROFILE You're probably a fit if… 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 tech

Requirements

• Python
• SQL databases
• Supply chains

Skills