Credit Operations Associate

Tamara is a leading Buy Now Pay Later (BNPL) platform in Saudi Arabia, empowering customers and businesses to transact with flexibility and ease. As we continue to grow and expand, we’re looking for motivated individuals to join our team and help us drive innovation in the financial services industry.

Position Overview:

We are looking for a Credit Operations Executive to join our Risk Team. In this role, you will be responsible for handling internal and external escalations and support the team in conducting investigations to ensure efficient execution and continuous process improvement in credit operations. You will also collaborate closely with the Credit Policy Managers to ensure that our credit processes, approvals are continuously optimized and aligned with the company’s risk strategy.

Key Responsibilities:

• Ticket Management: Handle and resolve internal and external escalations, addressing credit-related or collection related inquiries, issues, or requests, ensuring timely and accurate resolution.
• Risk Analysis: Support the Risk Team by analyzing credit data, identifying trends, and assisting in decision-making processes to improve approval rates and mitigate risk.
• Collaboration with Credit Policy Managers: Work closely with the Credit Policy Manager to apply and refine credit policies, helping to streamline credit decisioning processes.
• Operational Efficiency: Identify areas of improvement in the credit approval workflow, contributing to initiatives that enhance process efficiency and reduce turnaround time for Commercial Team tickets.
• Conducting investigations: Assist in gathering and analyzing data related to credit approvals, and help generate insights that can improve overall approval rates and risk management.
• Continuous Process Improvement: Suggest and support improvements in credit policies and operations to ensure a seamless and secure BNPL experience for customers.
• Cross-Team Coordination: Work closely with other teams, including Commercial, Product, and Customer Support, to resolve any operational bottlenecks and improve the credit process.

Qualifications:

• Education: A Bachelor’s degree in Business, Finance, Economics, Engineering or a related field.
• Experience: 0-3 years of work experience in operations or customer service role
• Skills:
• Strong analytical and problem-solving skills with the ability to interpret data and generate actionable insights.
• Excellent communication skills (both written and verbal) in both Arabic and English.
• Detail-oriented and organized, with the ability to manage multiple tasks simultaneously.
• Proficient in Microsoft Excel; familiarity with data analysis tools is a plus.