Product Manager - Credit & Underwriting

About the job

Lean is building the foundational underwriting layer for the GCC, enabling lenders to use Open Banking data as a first-class underwriting input, not just a raw data feed. We are hiring a Product Manager to lead our Credit & Underwriting squad, responsible for transforming bank data into structured, standardised, and explainable credit signals that lenders can plug directly into their underwriting stack. This is the layer that sits between raw transaction data and a lender's risk engine—the "credit-ready" fabric that makes cashflow underwriting operational, reliable, and repeatable.

Your mandate is to define how Open Banking data becomes fit for purpose for real lending decisions in regulated markets in the Middle East: normalised, interpretable, and underwriting-grade. This role is not about building a scoring model yet—it is about building the infrastructure that makes scoring and policy possible.

About Lean

Lean enables companies to seamlessly connect to their users' bank accounts to initiate real‑time payments and retrieve account information. Our products have garnered the trust of leading companies and enabled them to deliver powerful experiences when connected with a user's bank account, allowing users to perform prudent financial planning, get better rates on loans, transfer money to friends, and more, without compromising on privacy or security.

Backed by top‑tier global investors, including General Catalyst, Sequoia, and Shorooq, and having recently raised $67.5M in Series B funding, we’re building the rails for Open Finance in MENA. We’re trusted by 250+ clients across the UAE and Saudi Arabia, including the likes of Binance, Etisalat Group, Careem, and many more, making it the region's most valuable Open Banking platform.

We are building the rails for Open Finance in MENA, processing billions of dollars in transactions and enabling seamless, secure, and compliant financial connectivity.

Why this role matters

Open Banking has made data accessible in the GCC. What's still missing is the credit context—the structured interpretation of that data in a way lenders can trust, deploy, and defend to regulators. This squad closes that gap by turning raw streams into underwrite‑ready intelligence.

What you'll own

• The strategy and roadmap for Lean's underwriting‑readiness layer
• The definition, standardisation, and governance of core financial attributes used in credit decisions
• Consistency and interoperability of our outputs across lenders, verticals, and jurisdictions
• Explainability, auditability, and traceability standards expected in SAMA‑regulated underwriting
• Fit‑for‑use quality of data for credit (not just completeness/coverage)
• Cross‑functional alignment between DS/Engineering and client risk teams
• Packaging and exposure of credit‑relevant information via API in a way that is easy to consume

Example work you'll lead

• Defining canonical logic for income detection, affordability, liability mapping, and cashflow stability
• Creating underwriting‑grade financial attributes and making them consumable programmatically
• Establishing governance for versioning, consistency, and auditability
• Aligning interpretation logic with lender expectations and regulatory criteria
• Working with embedded lenders/BNPLs to validate attribute correctness and sufficiency
• Enabling partners to move from data extraction > underwriting integration with minimal friction

What success looks like (6‑12 months)

• Lenders can integrate Lean without building their own transformation layer
• Financial behaviours (income, obligations, volatility, spending patterns, recurring commitments, etc.) are available as standardised, documented attributes
• Risk officers recognise Lean as a credit input, not just a data pipe
• Underwriting teams can justify and defend decisions built on Lean's data
• Lean becomes a recognised upstream component of cashflow underwriting in SAMA‑aligned frameworks

What we're looking for

• A Product Manager with experience in data products or lending infrastructure
• You understand how underwriting decisions are made, even if you are not a quant or a CRO
• You’ve shipped platform or intelligence products used by external teams
• Skilled at working across engineering + data + risk stakeholders
• Comfortable making abstraction and standardisation choices that become industry defaults
• You think in systems, not single features
• You bias toward structure and explainability over black‑box output

Bonus Experience

• Built or worked on lending, BNPL, risk analytics, or alternative credit data products
• Worked in regulated/compliance‑sensitive product environments (banking, fintech, data infra)
• Exposure to emerging markets underwriting or Open Banking regimes

Why Join us?

Lean is the first regulated open banking and open finance company operating across the UAE and Saudi Arabia. Since 2019 we've been on a mission to become the pre‑eminent A2A payments company in the Middle East—enabling our clients to seamlessly connect to their users' bank accounts to initiate real‑time payments and retrieve account information. Our products have garnered the trust of some of the leading companies in the region, including the likes of Etisalat Group, Careem, Binance, Tabby, Tamara, Tawuniya, and more.

To date, Lean has processed billions of dollars, and our products have connected with hundreds of thousands of accounts across the region. We’ve recently announced our $67.5 million Series B funding round led by General Catalyst, following earlier investment from Sequoia Capital. This funding marks a major milestone for Lean and the financial ecosystem across the MENA region. At Lean, we’re committed to driving the next generation of financial innovation by making financial data and payments more accessible and transparent for businesses and consumers alike.

We’re always on the lookout for talented, driven, and entrepreneurial candidates to join us in our mission of enabling the next generation of financial innovation. If you’re motivated by solving hard problems and leaving a lasting legacy while you’re at it, Lean's where you need to be.

Not only do we offer competitive salaries, private healthcare, and flexible office hours, but we also insist that every member of the team hold a meaningful equity stake in the business to ensure long‑term alignment. We'd love you to join us for this journey!

Lean is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status.

When applying for a job at Lean Technologies, we will need to collect, use and share Personal Data about you with different members of our team during the application process. This may mean transferring your data to members of the team in one of our office locations worldwide outside of the country you are in. Please refer to our Privacy Notice on our website for more information about how we may use and store your Personal Data.

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