Risk Manager

Job Title: Risk ManagerLocation: Dubai, UAEAbout noonWe’re building an ecosystem of digital products and services that power everyday life across the Middle East—fast, scalable, and deeply customer-centric. Our mission is to deliver to every door every day. We want to redefine what technology can do in this region, and we’re looking for a Risk Manager who can help us move even faster.noon’s mission: Every door, every day.What you'll do:Team noon has some of the fastest, smartest, and hardest-working people we've encountered. With a young, aggressive, and talented team, we're driving major missions forward. The Risk Manager will be instrumental in shaping and managing the credit and fraud risk strategies across noon Fintech's consumer products, leading with an AI-first approach to build smarter, faster, and more scalable risk systems than traditional fintech players.Responsibilities:Credit Risk & AI-Driven UnderwritingLead the credit risk underwriting strategy across noon Fintech's consumer products, defining risk appetite, eligibility criteria, and credit limit frameworks in close collaboration with banking and lending partners.Take an AI-first approach to underwriting — championing the use of machine learning models, alternative data signals, and automated decision engines over manual or rules-only processes.Collaborate closely with Data Science, Product, and Engineering teams to design, implement, and continuously refine AI-powered credit policies and scoring models.Oversee champion-challenger testing frameworks and model governance processes, ensuring that new models are rigorously validated before deployment and monitored continuously in production.Stay ahead of advances in AI and machine learning as applied to consumer credit, proactively identifying opportunities to improve model performance and decision quality.Fraud Risk ManagementMonitor and manage fraud risk across the full customer lifecycle — application fraud, identity theft, account takeover, and transactional abuse — deploying AI-driven detection systems to stay ahead of emerging threats.Design and implement real-time fraud rules and model-based triggers that minimize losses while preserving a frictionless customer experience.Work with third-party fraud intelligence providers and internal data science teams to continuously enrich fraud models with new signals and behavioral data.Portfolio Risk & Collections StrategyBe responsible for the overall health of noon Fintech's credit portfolio — monitoring delinquency trends, vintage performance, and loss rates, and escalating or intervening as needed.Design and implement AI-powered collections strategies, including propensity-to-pay modelling, dynamic treatment allocation, and early warning systems that prioritize interventions before accounts deteriorate.Produce regular risk reporting for internal leadership, the Board, and financial partners, translating complex model outputs and portfolio metrics into clear, actionable narratives.Ensure that risk management practices remain compliant with CBUAE regulations, lending partner requirements, and evolving consumer protection standards.What you'll need:Qualifications RequiredMinimum 3 to 5 years of relevant experience in credit risk management, underwriting, or fraud prevention, with direct exposure to fintech, BNPL, or consumer lending environments.Demonstrated AI-first mindset — prior experience working alongside data science teams to deploy machine learning models in a credit or fraud risk context, actively shaping model design and governance rather than simply consuming outputs.Strong understanding of consumer credit underwriting principles, portfolio management, and collections strategy in a high-volume digital lending environment.Proven experience collaborating with cross-functional teams including Data Science, Product, and Engineering to translate risk appetite into automated decision systems.Familiarity with CBUAE regulations, UAE consumer credit guidelines, and the regulatory expectations applicable to licensed fintech or payment products is a strong advantage.Experience managing relationships with banking or lending partners, including communicating risk performance, justifying policy changes, and responding to partner due diligence requests.Strong analytical skills with proficiency in SQL or Python for risk data analysis; ability to interrogate model outputs, portfolio data, and fraud signals independently.Familiarity with third-party risk and fraud tools — bureau integrations, device intelligence, behavioral biometrics, and transaction monitoring platforms.Excellent communication, problem-solving, and decision-making skills, with the ability to operate effectively in a fast-paced, ambiguous environment.Who will excel?We’re looking for people with high standards, who understand that hard work matters.You need to be relentlessly resourceful and operate with a deep bias for action.We need people with the courage to be fiercely original.noon is not for everyone; readiness to adapt, pivot, and learn is essential.