Credit Manager – FinTech

About the role

We are looking for a Credit Manager to lead credit strategy and risk management for Mada BNPL’s growing digital payments platform in Amman. The role balances portfolio growth with sustainable risk controls while delivering a seamless customer experience.

Key responsibilities

• Develop, implement and continuously improve credit policies and underwriting frameworks.
• Assess creditworthiness of customers and merchants using financial, behavioral and alternative data.
• Define, monitor and adjust credit limits and lending criteria based on portfolio performance.
• Build and enhance credit risk models, scorecards and mitigation strategies.
• Oversee credit decisioning systems, underwriting workflows and risk engines to improve automation, accuracy and efficiency.
• Collaborate with product, technology and data teams to maintain and enhance credit systems and data‑driven decisioning capabilities.
• Monitor portfolio quality, delinquency trends and key risk indicators, providing insights to leadership.
• Ensure compliance with internal policies, regulatory requirements and risk governance standards.
• Identify opportunities to improve approval rates while maintaining portfolio quality and minimizing losses.

Required profile

• Proven experience in credit management, credit risk, portfolio management or consumer lending.
• Strong analytical ability to interpret financial, behavioral and portfolio data.
• Solid understanding of credit risk methodologies, KPIs and performance metrics.
• Bachelor’s degree in Finance, Economics, Business Administration, Accounting or a related field.
• Experience in fintech, digital lending, banking or BNPL is highly preferred.
• Excellent stakeholder management, communication and decision‑making skills.
• Experience working in a fast‑paced, high‑growth environment.

Required skills