noon Fintech — the dedicated fintech arm of noon Group, one of the Middle East’s most powerful digital commerce ecosystems — is hiring a strategic, AI-first Risk Manager in Dubai, UAE. This full-time role places you at the center of noon Fintech’s ambition to redefine consumer financial services across the Middle East — leading AI-powered credit risk underwriting, fraud prevention, portfolio management, and collections strategy across a rapidly scaling BNPL and consumer lending platform. With a minimum of 3–5 years of fintech, BNPL, or consumer credit experience required, this is one of Dubai’s most compelling and commercially significant risk management roles in the 2026 digital finance market.
About noon Fintech — Middle East’s Digital Finance Frontier
Company: noon Fintech — Dedicated Fintech Division of noon Group (Middle East’s Leading E-Commerce Ecosystem)
Mission: Every door, every day — making financial services faster, smarter, and more accessible across the Middle East
Focus: Consumer Fintech · BNPL · Digital Lending · AI-Powered Risk · Payments
Regulatory: CBUAE licensed operations · Consumer credit compliance · Banking partner management
Culture: Fast · Young · Aggressive · Talent-dense — for people who operate with a deep bias for action
Why This noon Fintech Risk Manager Role Is a Career-Defining Opportunity
AI-First Platform: Lead ML-powered credit underwriting and fraud detection at one of the region’s most technologically ambitious fintech organizations
noon Ecosystem: Leverage one of the Middle East’s largest e-commerce customer bases — unique alternative data signals and consumer behavioral intelligence at scale
BNPL Growth: Shape risk strategy in one of the fastest-growing consumer finance segments across the UAE and MENA
Tax-Free Dubai: Highly competitive fintech risk management salary — zero personal income tax in the UAE
Position Overview
This Risk Manager role at noon Fintech in Dubai is a high-ownership, strategically critical position responsible for shaping and managing credit risk, fraud prevention, portfolio health, and collections strategy across noon Fintech’s growing consumer product suite. You will lead AI-driven credit underwriting, define risk appetite frameworks, oversee champion-challenger model testing, monitor fraud across the full customer lifecycle, manage portfolio delinquency and vintage performance, and design ML-powered collections strategies — all while maintaining CBUAE regulatory compliance and managing banking and lending partner relationships. This is a role for a risk professional who wants to be genuinely accountable for building smarter, faster, and more scalable risk systems than traditional fintech players — not just monitor dashboards.
Why This Is the Fintech Risk Career Opportunity of 2026 in Dubai: Risk Managers who combine hands-on AI/ML credit risk experience with BNPL or consumer lending backgrounds, CBUAE regulatory knowledge, and the ability to independently interrogate portfolio data using SQL or Python represent the most commercially valuable risk talent profile in Dubai’s rapidly expanding digital finance market. noon Fintech’s position at the intersection of one of the region’s largest e-commerce platforms and a fast-scaling consumer fintech business creates a unique risk intelligence advantage — and a uniquely impactful career opportunity for the right professional.
Key Responsibilities
AI-Driven Credit Risk & Underwriting Strategy
- Lead 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
- Champion an AI-first approach to underwriting — actively driving the use of machine learning models, alternative data signals, and automated decision engines over manual or rules-only credit assessment processes
- Collaborate closely with Data Science, Product, and Engineering teams to design, implement, and continuously refine AI-powered credit policies and ML scoring models that accurately predict creditworthiness at scale
- Oversee champion-challenger testing frameworks and model governance processes — ensuring that new AI models are rigorously validated against performance benchmarks 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, reduce decision latency, and enhance credit quality outcomes
Fraud Risk Management & Real-Time Detection
- Monitor and actively manage fraud risk across the full customer lifecycle — covering application fraud, identity theft, account takeover, payment abuse, and transactional fraud — deploying AI-driven detection systems to stay ahead of evolving threats
- Design and implement real-time fraud detection rules and ML model-based triggers that minimize financial losses while preserving the frictionless digital customer experience that noon’s consumers expect
- Work with third-party fraud intelligence providers — bureau integrations, device intelligence platforms, behavioral biometrics tools, and transaction monitoring systems — to continuously enrich noon Fintech’s fraud models with new signals and behavioral data
- Manage the end-to-end fraud operations response — from alert investigation and case management through to root cause analysis, pattern identification, and preventive model updates
Portfolio Risk Monitoring & Collections Strategy
- Take full responsibility for the overall health of noon Fintech’s credit portfolio — monitoring delinquency trends, vintage performance curves, loss rates, and provision adequacy, and intervening proactively when risk signals deteriorate
- Design and implement AI-powered collections strategies — including propensity-to-pay modelling, dynamic treatment allocation across communication channels, and early warning systems that prioritize interventions before accounts reach advanced delinquency
- Produce regular, high-quality risk reporting for internal leadership, the Board, and financial partners — translating complex ML model outputs and portfolio performance metrics into clear, actionable business narratives
- Ensure all risk management practices remain fully compliant with CBUAE regulations, banking partner requirements, and UAE consumer credit protection standards at all times
Banking Partner Management & Regulatory Compliance
- Manage relationships with noon Fintech’s banking and lending partners — communicating risk performance, justifying credit policy changes, and responding professionally to partner due diligence requests and compliance reviews
- Apply strong familiarity with CBUAE regulations, UAE consumer credit guidelines, and the regulatory expectations applicable to licensed fintech and payment products in the UAE market
- Use SQL or Python to independently interrogate risk data, model outputs, portfolio metrics, and fraud signals — building a first-hand analytical understanding of credit and fraud performance that goes beyond reading summary reports
Qualifications & Requirements
Experience Requirements
- Minimum 3–5 years of relevant professional experience in credit risk management, credit underwriting, or fraud prevention — with direct, hands-on exposure to fintech, BNPL, or consumer digital 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 model outputs
- Strong practical understanding of consumer credit underwriting principles, portfolio management metrics, and digital collections strategy in high-volume consumer lending environments
- Proven cross-functional collaboration experience — working alongside Data Science, Product, and Engineering teams to translate risk appetite frameworks into automated, scalable credit decision systems
Technical Skills
- Strong analytical skills with proficiency in SQL or Python for risk data analysis — ability to independently interrogate model outputs, portfolio data, and fraud signals without relying on analyst intermediaries
- Familiarity with third-party risk and fraud tools — bureau integrations, device intelligence platforms, behavioral biometrics, and transaction monitoring systems used in consumer digital lending
- Familiarity with CBUAE regulations, UAE consumer credit guidelines, and regulatory expectations for licensed fintech or payment products in the UAE — this is a strongly valued advantage
Personal Attributes
- Relentlessly resourceful and deeply biased toward action — comfortable operating at speed in a fast-paced, ambiguous, and rapidly evolving fintech environment where the answers are not always pre-defined
- High personal standards and intellectual curiosity — someone who is fiercely original in their thinking, challenges conventional risk approaches, and brings genuine analytical courage to every decision
- Readiness to adapt, pivot rapidly, and learn continuously — noon is not for everyone; this role demands a professional who thrives in change, not one who needs stability to perform
About noon Fintech & Dubai’s Consumer Finance Revolution
noon Fintech sits at a uniquely powerful intersection in the Middle East’s digital economy — combining the scale, customer base, and transaction data of noon Group, one of the region’s largest e-commerce platforms, with the mandate to build world-class consumer financial products that make credit, payments, and financial services more accessible to millions of everyday consumers across the UAE and MENA. The consumer fintech market in Dubai is experiencing explosive growth in 2026 — driven by a young, digitally native population, increasing smartphone penetration, growing acceptance of BNPL products, and the UAE Central Bank’s progressive approach to fintech licensing and innovation. Risk Managers who can build smarter, faster, and more scalable AI-powered risk systems than traditional financial institutions are at the absolute center of this transformation — and noon Fintech is looking for exactly that rare combination of AI credibility, fintech depth, and commercial courage that makes the difference between a good risk function and an exceptional one.
Your Career Growth Path: Risk Manager → Senior Risk Manager → Head of Credit Risk → VP Risk → Chief Risk Officer — a commercially consequential, technically sophisticated, and financially exceptional career trajectory built at the frontier of the Middle East’s digital consumer finance revolution.
Who Should Apply?
- Fintech Risk Managers: With 3–5 years of BNPL, consumer lending, or digital credit risk experience and an AI-first approach to underwriting and fraud prevention
- AI Credit Risk Professionals: Who have worked alongside data science teams to deploy ML scoring models, champion-challenger frameworks, and automated credit decision engines in live consumer fintech products
- Fraud Risk Specialists: With real-time fraud detection, behavioral biometrics, device intelligence, and transaction monitoring experience in fast-moving digital consumer environments
- Portfolio Risk Analysts: With delinquency monitoring, vintage analysis, loss forecasting, and ML-powered collections strategy experience in consumer credit or BNPL businesses
- CBUAE-Aware Risk Professionals: With UAE regulatory knowledge and banking partner management experience seeking a high-impact risk leadership role in Dubai’s most exciting consumer fintech company
- Data-Literate Risk Managers: With SQL or Python proficiency who independently interrogate credit and fraud data rather than relying on analyst-produced reports
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