Risk Analyst

**Description**:
About us:
Tabby creates financial freedom in the way people shop, earn and save by reshaping their relationship with money. The company’s flagship offering allows shoppers to split their payments online and in-store with no interest or fees. Over 32,000 global brands and small businesses, including Amazon, Noon, IKEA and Shein, use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores. Tabby has generated over $7 billion in transaction volume for its partner brands and has the highest-rated, most-reviewed, largest and fastest-growing app of any fintech in the GCC region. Tabby launched operations in 2019 and has since raised +$1 billion in equity and debt funding from global and regional investors, and is now valued at $3.3 billion.
About the role:
You'll be joining our growing Portfolio Analytics and Modeling team, which is responsible for Credit Risk Reporting & Modeling. You'll be responsible for analyzing data, creating reports, and developing data-driven insights to support business decision-making. You will work closely with stakeholders to gather requirements and deliver comprehensive reports and dashboards using various programming and data analysis techniques.
**Key Responsibilities**:
- Analyze customers and merchants financial data to derive actionable insights
- Develop reports and dashboards to support various reporting lines (external & internal reporting)
- Ensure the accuracy and consistency of data across multiple sources for reconciliation; identifying and resolving discrepancies, ensuring the integrity of data, and providing reliable insights to support decision-making processes
- Investigate and analyze the underlying causes of data discrepancies, collaborating with relevant stakeholders to resolve issues and prevent future occurrences.
- Engage in risk/finance analytics and ad-hoc inquiries
- Participate in designing and enhancing various risk/finance processes
- Develop and maintain ECL calculations models including but not limited to: PD, LGD, EAD under IFRS-9 guidelines
- Perform initial validation of risk models to ensure compliance with IFRS 9 standards. Collaborate with cross-functional teams to provide data-driven insights for product launches and operational improvements.
- Optimize existing processes through automation and policy development.
**Skills, Knowledge & Expertise**:
- Bachelor’s or Master’s in Computer Science, Computer Engineering, Economics, Statistics or actuarial science.
- Minimum 2 years of relevant experience at a bank or Fintech in a data analytics team or Risk analytics team.
- Strong analytical and data capabilities backed up by technical coding skills.
- Proficiency in SQL, Python and Excel is a must.
- Strong understanding of statistical analysis and forecasting techniques.
- Basic understanding of IFRS9 credit risk modelling requirements and financial concepts
- Experience with visualisation tools, i.e., Tableau and Power BI.
- Excellent command of English
- Excellent written and verbal communication skills
- Ability to effectively present complex data and findings in a clear and concise manner
**Job Benefits**:
- We offer flexible working hours and trust you to work enough hours to do your job well at times that suit you and your team.
- A working environment that gives you autonomy and responsibility from day one.
- You should be comfortable with the idea that the quality of your work will influence the shape of your career.
- Participation in the company’s employee stock options program.
- Health Insurance
We are passionate about creating an inclusive, high-performing workplace that gives people from all backgrounds the support they need to thrive, grow, and meet their goals (whatever they may be).
If this sounds exciting to you, we’d love to hear from you
**About Tabby**:
Tabby creates financial freedom in the way people shop, earn and save, by reshaping their relationship with money.
The company’s flagship offering allows shoppers to split their payments online and in-store with no interest or fees. Over 32,000 global brands and small businesses, including Amazon, Noon, IKEA and Shein use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores.
Tabby has generated over $7 billion in transaction volume for its partner brands and has the highest rated, most reviewed, largest and fastest growing app of any fintech in the GCC region.
Tabby launched operations in 2020 and has raised +$1 billion in equity and debt funding from global and regional investors.

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