Credit&Pricing Lead - FinTech

<div><p>We are building a next-generation B2B digital lending platform designed to automate financing decisions through intelligent credit and pricing systems.</p><p>We are seeking a Credit&Pricing Lead to architect the core decision-making engine powering the platform.</p><p>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.</p><p>You will bridge finance, risk, and technology, transforming financial expertise into scalable algorithms and rule-based systems.</p><p>Experience with Shariah-compliant financing structures is highly valued but not mandatory.</p><h3>Key Responsibilities</h3><h3>1. Credit Decision Engine Design</h3><ul><li>Define credit eligibility frameworks for B2B borrowers</li><li>Establish automated approval methodologies</li><li>Design risk segmentation models (Low / Medium / High Risk)</li><li>Develop decision logic including:</li><li>Auto-approval rules</li><li>Rejection thresholds</li><li>Conditional approval workflows</li><li>Create credit exposure and limit management frameworks</li><li>Define acceptable risk appetite aligned with business strategy</li><li>Develop scalable underwriting logic suitable for automation</li></ul><h3>2. Pricing Strategy&Model Development</h3><ul><li>Design risk-based pricing models incorporating:</li><li>Company financial performance</li><li>Cash flow stability</li><li>Sector risk profiles</li><li>Credit history</li><li>Market benchmarks</li><li>Define financing economics including:</li><li>Pricing methodology (interest-based or profit-based)</li><li>Margin structure</li><li>Payment frequency</li><li>Financing tenure</li><li>Build dynamic pricing logic adaptable to portfolio performance</li><li>Ensure pricing balances:</li><li>Growth objectives</li><li>Risk control</li><li>Commercial sustainability</li></ul><h3>3. Financial Modeling&Financing Structuring</h3><ul><li>Design end-to-end digital financing structures</li><li>Develop scalable funding models compatible with automated lending</li><li>Evaluate portfolio-level profitability and loss assumptions</li><li>Ensure structures are:</li><li>Operationally efficient</li><li>Digitally executable</li><li>Commercially viable</li><li>(Optional) Adapt financing models to Shariah-compliant structures such as:</li><li>Murabaha</li><li>Tawarruq</li><li>Ijara</li><li>Profit-rate models</li></ul><h3>4. Logic&Formula Translation for Engineering</h3><p>Act as the bridge between finance and technology teams.</p><ul><li>Convert financial models into:</li><li>Mathematical formulas</li><li>Decision trees</li><li>Rule-based workflows</li><li>System logic documentation</li><li>Define:</li><li>Required data inputs (revenue, sector, credit score, behavior data, etc.)</li><li>System outputs (approval status, amount, pricing, tenure)</li><li>Collaborate closely with:</li><li>Product Managers</li><li>Engineers</li><li>Data Scientists</li><li>Support implementation, iteration, and validation of decision models</li></ul><h3>5. Policy Development&Governance</h3><p>Develop foundational risk and lending documentation:</p><ul><li>Credit policy framework</li><li>Pricing governance guidelines</li><li>Risk management framework</li><li>Approval authority matrix</li><li>Lending terms&conditions</li><li>Compliance alignment with regulatory requirements</li><li>Support internal and external audit readiness</li></ul><h3>6. Testing, Validation&Optimization</h3><ul><li>Test decision models using:</li><li>Historical datasets</li><li>Simulated borrower scenarios</li><li>Stress-testing assumptions</li><li>Monitor approval outcomes and portfolio performance</li><li>Continuously refine:</li><li>Risk assumptions</li><li>Pricing accuracy</li><li>Decision thresholds</li><li>Improve approval efficiency while maintaining controlled risk exposure</li></ul><h3>Required Qualifications</h3><ul><li>4–7+ years of experience in:</li><li>Credit underwriting</li><li>Risk modeling</li><li>Lending products or structured financing</li><li>Proven experience designing:</li><li>Credit policies</li><li>Decision frameworks</li><li>Pricing or risk models</li><li>Strong financial modeling and analytical skills</li><li>Ability to translate business logic into system-ready rules and formulas</li><li>Experience working cross-functionally with:</li><li>Product teams</li><li>Engineering teams</li><li>Data teams</li><li>Strong commercial and risk judgment</li></ul><h3>Preferred / Nice to Have</h3><ul><li>Experience within<b>fintech</b>, digital lending, or embedded finance</li><li>Exposure to<b>B2B lending</b>or SME financing</li><li>Experience building automated underwriting or decision engines</li><li>Knowledge of<b>Shariah-compliant finance principles</b></li><li>Familiarity with APIs, data integrations, or platform-based products</li></ul><h3>Core