Senior Product Manager – Credit Risk
Job Description
<strong>About Us</strong><p><br></p>Tamara is the leading shopping and payments platform in Saudi Arabia and the GCC region, with a mission to empower people in their daily lives and revolutionize how they shop, pay and bank. The company was founded by serial entrepreneur Abdulmajeed Alsukhan along with his partners Turki Bin Zarah and Abdulmohsen Al Babtain. Tamara has over 400 employees and operates out of its headquarters in Riyadh, Saudi Arabia and has offices in the UAE, Egypt, Germany and Vietnam.<p><br></p>Tamara has raised up to $366 million in equity and debt since its launch in September 2020. Investors in Tamara include Sanabil Investments, a wholly owned company by the Public Investment Fund (PIF), Checkout.com, Coatue, Shorooq Partners, Endeavor Catalyst and Goldman Sachs. Tamara has about 7 million onboarded users and more than 18,000 partner merchants including leading global and regional brands such as SHEIN, Jarir, Noon, IKEA, H&M as well as local small and medium businesses.<p><br></p><strong>About The Role</strong><p><br></p>At Tamara, we believe that the best products are shaped by our customers. We empower individuals with both freedom and accountability, enabling them to unleash their true potential. As a member of our Product Management team, your deep expertise in understanding the intricacies of money movement between merchant platforms and payment processing partners, such as payment gateways, processors, acquirers, networks, and issuers, will be instrumental in generating innovative ideas, advocating for change, and driving cost efficiencies across our platform. Your role will be pivotal in shaping the future of our global payment and shopping platform.<p><br></p>We are looking for a Senior Product Manager with previous experience in credit management, preferably in BNPL/ micro credits and will help build new features, processes and flows, whilst improving our product’s experience for our customers.<p><br></p>Joining our dynamic ecosystem, you’ll collaborate with talented engineers, designers, analysts, and other cross-functional team members. Together, we will define and execute product strategies, leverage data-driven insights, and deliver exceptional value to thousands of our merchant partners and millions of customers.<p><br></p>A Typical Day <p><br></p><ul><li>Developing and executing a comprehensive credit risk strategy that balances risk and reward to optimize the organization’s credit portfolio. </li><li>Collaborating with cross-functional teams to design and develop credit risk products and services that meet the needs of the company and its customers. </li><li>Conducting ongoing risk assessments to evaluate the creditworthiness of new and existing customers and identifying areas for improvement. </li><li>Collaborate with data scientists to develop credit scoring models that accurately assess the credit risk of customers and implement them. </li><li>Ensuring that credit risk management practices are in compliance with regulatory requirements and industry standards. </li><li>Developing clear and effective communication strategies to keep customers informed about credit risk management practices and how they can improve their creditworthiness. </li><li>Providing training and education to employees, customers, and other stakeholders to increase awareness of credit risk and credit management practices. </li></ul><p><br></p><strong>Your Expertise </strong><p><br></p><ul><li> You have 5+ years of product management experience, including relevant product experience in credit risk management</li><li> You are a problem solver. You have the ability to break down a problem, deeply think about potential solutions, and execute on a solution in a structured and an efficient way</li><li> You are a people person with experience working in diverse, high-performing teams. </li><li> Best-in-class communicator, down, up, and across; confident and competent in situations with senior stakeholders</li><li> You are proficient in pulling and analyzing data, putting together expected outcomes for features, and running A/B tests</li><li> Solid understanding of the market, supporting disciplines, and the core competencies of product management</li><li> Knowledge of Payment industry & Payment methods in the EMEA region</li></ul><p><br></p><strong>Enabling Flexibility </strong><p><br></p>At Tamara, we believe that work is not just a physical location, but an integral part of your life. We understand that every person’s circumstances are unique, and we empower our employees to work in a manner that brings out their best performance. With our hybrid working arrangements, you have the flexibility to work from home or on-site. And if you crave even more flexibility, you can opt for our “work from anywhere in the world” plan, allowing you to work from any destination across the globe within a 90-day period. Your work environment, your choice.<p><br></p><strong>Relocating? </strong>We’ve got you covered. Where applicable we offer relocation allowances to help with airfare, document fees, and your first month’s accommodation. Your well-being is our priority. While we value dedication and commitment at work, we also recognize the significance of maintaining a balanced life. That’s why we provide a standard practice of paid leave, allowing you ample time to relax, recharge, and pursue personal interests.
