Credit & Pricing Lead - FinTech

We are building a next-generation B2B digital lending platform designed to automate financing decisions through intelligent credit and pricing systems.We are seeking a Credit & Pricing Lead to architect the core decision-making engine powering the platform.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.You will bridge finance, risk, and technology, transforming financial expertise into scalable algorithms and rule-based systems.Experience with Shariah-compliant financing structures is highly valued but not mandatory.Key Responsibilities1. Credit Decision Engine DesignDefine credit eligibility frameworks for B2B borrowersEstablish automated approval methodologiesDesign risk segmentation models (Low / Medium / High Risk)Develop decision logic including:Auto-approval rulesRejection thresholdsConditional approval workflowsCreate credit exposure and limit management frameworksDefine acceptable risk appetite aligned with business strategyDevelop scalable underwriting logic suitable for automation2. Pricing Strategy & Model DevelopmentDesign risk-based pricing models incorporating:Company financial performanceCash flow stabilitySector risk profilesCredit historyMarket benchmarksDefine financing economics including:Pricing methodology (interest-based or profit-based)Margin structurePayment frequencyFinancing tenureBuild dynamic pricing logic adaptable to portfolio performanceEnsure pricing balances:Growth objectivesRisk controlCommercial sustainability3. Financial Modeling & Financing StructuringDesign end-to-end digital financing structuresDevelop scalable funding models compatible with automated lendingEvaluate portfolio-level profitability and loss assumptionsEnsure structures are:Operationally efficientDigitally executableCommercially viable(Optional) Adapt financing models to Shariah-compliant structures such as:MurabahaTawarruqIjaraProfit-rate models4. Logic & Formula Translation for EngineeringAct as the bridge between finance and technology teams.Convert financial models into:Mathematical formulasDecision treesRule-based workflowsSystem logic documentationDefine:Required data inputs (revenue, sector, credit score, behavior data, etc.)System outputs (approval status, amount, pricing, tenure)Collaborate closely with:Product ManagersEngineersData ScientistsSupport implementation, iteration, and validation of decision models5. Policy Development & GovernanceDevelop foundational risk and lending documentation:Credit policy frameworkPricing governance guidelinesRisk management frameworkApproval authority matrixLending terms & conditionsCompliance alignment with regulatory requirementsSupport internal and external audit readiness6. Testing, Validation & OptimizationTest decision models using:Historical datasetsSimulated borrower scenariosStress-testing assumptionsMonitor approval outcomes and portfolio performanceContinuously refine:Risk assumptionsPricing accuracyDecision thresholdsImprove approval efficiency while maintaining controlled risk exposureRequired Qualifications4–7+ years of experience in:Credit underwritingRisk modelingLending products or structured financingProven experience designing:Credit policiesDecision frameworksPricing or risk modelsStrong financial modeling and analytical skillsAbility to translate business logic into system-ready rules and formulasExperience working cross-functionally with:Product teamsEngineering teamsData teamsStrong commercial and risk judgmentPreferred / Nice to HaveExperience within fintech, digital lending, or embedded financeExposure to B2B lending or SME financingExperience building automated underwriting or decision enginesKnowledge of Shariah-compliant finance principlesFamiliarity with APIs, data integrations, or platform-based productsCore Competencies & SkillsCredit Risk ModelingPricing Strategy DevelopmentFinancial StructuringDecision Engine ArchitectureData-Driven ThinkingQuantitative AnalysisProduct & Technology CollaborationStrategic Problem SolvingSystems ThinkingWhat Success Looks LikeWithin 3 MonthsCredit framework and pricing philosophy definedDecision logic documented and validatedRisk segmentation methodology finalizedWithin 6 MonthsFully operational automated credit decision engine launchedPricing engine embedded into the lending applicationApproval workflows functioning end-to-endLong-Term ImpactOptimized approval rates with controlled default riskScalable, automated financing platformStrong foundation for portfolio growth and institutional fundingWhy Join UsBuild the core intelligence of a fintech lending platform from scratchDirect ownership of the company’s credit DNAHigh-impact role combining finance, product, and technologyOpportunity to shape modern digital lending in the region#J-18808-Ljbffr