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Ethics HR Logo Ethics HR · Finance

Head of Credit Intelligence

Egypt, New Cairo · Job Posted May 20, 2026
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Job Description

Design and maintain the company's end-to-end AI underwriting architecture. Build and deploy borrower risk scoring and Probability of Default (PD) models. Lead feature engineering across traditional, behavioral, and alternative data sources. Develop risk-based pricing models tied to borrower risk tiers. Monitor model performance, detect drift, and drive continuous improvement. Partner with Credit Strategy to translate model outputs into lending policies. Collaborate with Data Infrastructure to ensure accurate, production-grade model deployment. Build underwriting capability across car financing, student loans, and personal loans - with SME lending to follow.

Job Responsibility

  • Design and maintain the company's end-to-end AI underwriting architecture
  • Build and deploy borrower risk scoring and Probability of Default (PD) models
  • Lead feature engineering across traditional, behavioral, and alternative data sources
  • Develop risk-based pricing models tied to borrower risk tiers
  • Monitor model performance, detect drift, and drive continuous improvement
  • Partner with Credit Strategy to translate model outputs into lending policies
  • Collaborate with Data Infrastructure to ensure accurate, production-grade model deployment
  • Build underwriting capability across car financing, student loans, and personal loans - with SME lending to follow

Requirements

  • 8-12+ years in credit risk modeling, with proven production deployments
  • Strong ML background - gradient boosting, neural networks, logistic regression
  • Experience with alternative and behavioral data sources for credit decisions
  • Python proficiency and familiarity with ML frameworks (scikit-learn, XGBoost, TensorFlow or similar)
  • Track record building models for at least one of: personal loans, auto loans, student loans, BNPL, or SME lending
  • Understanding of model explainability requirements in a regulated environment
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