Product Manager I - Collections

About us

Tamara is the leading fintech platform in Saudi Arabia and the wider GCC region with a mission to help people make their dreams come true by building the most customer-centric financial super-app on earth. The company serves millions of users in KSA, UAE and Kuwait, and partners with leading global and regional brands such as SHEIN, Jarir, noon, Amazon, IKEA, eXtra and Farfetch as well as small and medium businesses.

Tamara is Saudi’s first fintech unicorn and is backed by Sanabil Investments, SNB Capital, Checkout.com, amongst others, operating out of its headquarters in Riyadh, Saudi Arabia with other regional and global support offices.

About the role

You will own the end-to-end product strategy for Tamara’s collections & recovery ecosystem, transforming collections policies into scalable, automated workflows/solutions. Your mandate is to build an automation-first collections engine that leverages AI/ML to maximize recovery rates while minimizing operational overhead. You will also lead the design and build of the Collections CRM, equipping collections with context-aware tools and decision support to streamline early and late-stage recovery.

You are a driven, determined, curious team player, knowing that collective strength means we all win. With a positive outlook, you are solution-oriented–persevering regardless of circumstances, always finding a way through, no matter the challenges. You need to be driven and comfortable with responding quickly with urgency, with the ability to change course without losing momentum and energy, resulting in great success.

Key Responsibilities:

• Develop, launch, and scale Tamara’s Repayment and Collections products across early and late stages.

• Own the collections product roadmap, informed by data analysis, user research, market trends, and company strategy.

• Translate collections policy and risk frameworks into productized, automated, and auditable workflows.

• Leverage AI and machine learning to enhance collections effectiveness, including: Intelligent prioritization of accounts and cases, Predictive signals for likelihood to pay and optimal contact timing, Channel selection and sequencing optimization

• Partner with BI, Risk, and Engineering to support predictive models for collections and recovery

• Drive adoption of automation-first approaches, reducing manual effort through experimentation with AI-powered capabilities & Smart reminder orchestration via a centralised Collections CRM

• Enable agents with context-aware workflows, decision support, and compliant action paths

• Ensure regulatory and compliance requirements are embedded into product design from day one

• Generate regular performance reports with clear, actionable insights for senior leadership

Qualifications:

• Bachelor’s degree/Graduate in Finance, Economics, Engineering, Business Administration, or a related field

• 2-3 years of experience in product manager experience with ownership of complex products within collections, payments or risk management

• Experience building or owning internal tools (CRM, ops platforms, workflow systems)

• Proven ability to translate policy and strategy into scalable product solutions

• Ability to quickly learn and retain new procedures.

• Strong analytical and problem-solving skills with proficiency in data analysis tools (e.g., Excel, SQL).

• Excellent written and verbal communication skills in Arabic and English.

All qualified individuals are encouraged to apply.