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. A B2B credit product replacing informal, opaque supplier credit with structured, data-driven working capital. We help small merchants grow, protect suppliers from credit risk, and strengthen the FMCG supply chain.

We are looking for a Head of Credit Risk & Analytics to build this function from scratch and own the end-to-end risk management and pricing framework as we launch and scale our B2B revolving credit product.

THE ROLE What you'll own here.

• Build the credit risk and analytics function from the ground up — including team, systems, and frameworks.

• Develop credit scoring, affordability, and behavioral models to support underwriting, pricing, and collections.

• Design and run experiments to optimize funnel conversion, approval rates, loss rates, and retention.

• Build data pipelines and decisioning systems using both traditional and alternative data sources.

• Partner closely with product and engineering to embed decision logic into real-time systems.

• Ensure data quality, regulatory compliance, and ethical use of models across all decision-making processes.

• Hire, lead, and develop a high-performing credit risk and analytics team.

• Act as a thought partner to the business on credit risk frameworks, experimentation, and data-driven decision-making.

• Work closely with the founder on product strategy, pricing, portfolio performance, and scale.

THE PROFILE You're probably a fit if…

• You have 6+ years of experience in data science, automated decisioning, or credit risk analytics, with at least 2+ years in a management role.

• You are proficient in SQL and at least one modeling language (Python or R).

• You have hands-on experience designing and running A/B tests, with a strong understanding of funnel analytics and growth metrics.

• You can translate complex analyses into clear, actionable insights for non-technical stakeholders.

• You have experience working with alternative data and understand how to apply it in credit decisioning.

• You thrive in ambiguous environments, move quickly across cross-functional teams, and take full ownership of outcomes.

Bonus: Experience in FMCG, B2B credit, or lending in emerging markets.

THE ENVIRONMENT: What working here actually looks like.

• Head of Function From Day One: You’re not inheriting an existing setup — you’re building it. Full ownership of credit risk and analytics, with a direct line to the founder.

• Real Data, Real Stakes: You’ll work with live FMCG transaction data and fast feedback loops on limits, NPLs, and profitability. Your work will have an immediate, measurable impact.

• Flexible by Design: Remote/hybrid setup with periodic exposure to KSA — built for outcomes, not desk time.

What You Get From Us

• Competitive pay: A package that reflects your experience and the market.

• Meaningful equity: Real upside aligned with long-term value creation.

• Premium gear, day one: Fully set up before your first day.

• Mentorship that matters: Learn from people who have built and scaled ventures.

• An accelerated curve: You’ll learn more here in 12 months than most roles offer in three years.

What to Expect in the Hiring Process

• Preliminary call with the recruiter

• Interview with the Founder

• Take-home credit risk case study

• Behavioral and technical interview with the Founder and Interim Data Lead

• Reference check

• Offer