Senior Manager - Credit AI Platform

About the Role
We are looking for a credit expert to serve as the Product Subject Matter Expert (SME) for Alpha, our investment and credit AI product. This role involves translating how banks assess corporate and commercial borrowers into useful, repeatable product capabilities, thereby shaping what Alpha needs to understand, how its workflows should behave, and what good outputs look like.

Embedded in the product team, you will collaborate with the Product Manager, Design, Engineering, and Science teams to turn banking knowledge into actionable requirements, reference examples, and quality standards. You will directly engage with bank users to validate your choices, with your success being measured by the usefulness, reliability, and adoption of the product capabilities you help design.

What You'll Own

• Map how relationship managers, credit analysts, independent risk teams, and approvers assess borrowers, identifying the information, handoffs, and decisions involved in new lending, renewals, and ongoing reviews.
• Translate credit assessment practices into product requirements covering business and financial risk, repayment capacity, facility purpose and structure, collateral, policy checks, and approval rationale.
• Create reference workflows, annotated credit papers, question libraries, and worked examples to aid product and technical teams in understanding the reasoning behind bank requirements.
• Advise the Product Manager on valuable use cases, workflow gaps, and domain dependencies. Contribute to prioritizing capabilities that solve recurring bank needs and that can be utilized across multiple customers.
• Define which templates, risk-rating inputs, financial definitions, policy thresholds, and approval steps need to be configurable for different banks, borrower segments, and lending products.
• Collaborate with Design, Science, and Engineering on prototypes, user stories, and acceptance criteria. Resolve domain questions during delivery and validate that features function according to the actual workflows of bank teams.
• Specify the evidence and data to be retrieved, the questions it should surface, and the structure of its outputs. Guide requirements for financial spreading, credit memo preparation, covenant review, and monitoring alerts.
• Develop review, correction, and escalation flows, ensuring clear distinctions between source facts, calculations, assumptions, and AI interpretation.
• Build representative test cases, reference answers, and evaluation rubrics with the Science team. Assess credit reasoning, numerical accuracy, evidence completeness, and usefulness; include considerations on missing information, conflicting sources, and policy exceptions.
• Diagnose domain errors, document expected behaviors, agree on quality thresholds, and verify fixes and regressions prior to release.
• Translate bank governance needs into product behaviors, including permissions, confidentiality, traceable sources, calculation reproducibility, audit history, and human approval, in collaboration with security, legal, and risk teams.
• Lead domain discovery with bank users and design partners. Test assumptions about credit processes and distinguish between common requirements and institution-specific preferences or policies.
• Design realistic pilot scenarios in conjunction with the Product Manager and customer teams. Assess workflow fit, analytical quality, time savings, review effort, and user adoption; turn findings into actionable product feedback.
• Support demos, proposals, and customer workshops with credible banking expertise.
• Maintain reusable domain guidance, workflow examples, and product feedback for internal teams. Channel recurring customer inquiries and market developments into roadmap discussions with the Product Manager.

What We're Looking For

• Typically 6+ years in bank credit, corporate or commercial lending, credit risk, or a closely related advisory or technology role, with substantial practical exposure to bank credit assessment and approval processes.
• Strong understanding of banks' creditworthiness assessment, including borrower and sector risk, financial statements, cash flow, leverage, liquidity, debt-service capacity, collateral, and facility structure.
• Working knowledge of credit policies, risk ratings, credit papers, approval authorities, exceptions, renewals, and monitoring with the ability to explain variations across institutions and customer segments.
• Evidence of translating specialist knowledge into actionable requirements, process improvements, or reusable guidance and explaining both the credit rationale and its product implications.
• Ability to critically review financial models and credit analyses, identify misleading assumptions or unsupported conclusions, and transform findings into clear examples and quality criteria for technical teams.
• Comfort working iteratively with prototypes and AI-assisted tools, testing their behavior, and understanding how retrieval, citations, evaluations, and human review affect AI product reliability.
• Strong written communication, customer engagement skills, and cross-functional collaboration abilities, with a knack for explaining complex credit concepts simply and resolving ambiguity with practical recommendations.
• A bachelor’s degree in finance, economics, accounting, engineering, or a related discipline, or equivalent practical experience.

Nice To Have

• Experience as a product SME, domain consultant, or business analyst on a lending platform, credit workflow, risk system, or banking transformation initiative.
• Experience working with product and engineering teams on discovery, requirements, user testing, or launches. Familiarity with AI evaluation or document intelligence will be beneficial.
• Knowledge of GCC banking practices, Islamic finance, or regional credit requirements. Arabic language skills and experience with bilingual financial documents are advantageous.
• CFA, FRM, or another relevant qualification, or comparable practical depth in banking and credit.

What Working Here Offers

• Culture: An open, diverse, and inclusive environment with a global vision that encourages personal growth and focuses on pioneering industry-first innovations.
• Career: Outstanding learning, development, and growth opportunities via structured training programs and innovative, high-tech projects.
• Rewards: A competitive remuneration package along with various perks, including healthcare, education support, leave benefits, and more.