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Tamara

Sharia-compliant BNPL for consumers and merchants

Government Escalation Advisor

Regulatory Compliance & EthicsConfirmed live in the last 24 hours
Full-timeDubai - United Arab EmiratesNo salary listed

About the Job

Requirements

  • A bachelor's degree, ideally in Business, Law, Finance, or a related discipline.
  • At least three years of experience in complaints handling, customer operations, compliance operations, or a regulatory-facing role; experience in banking, fintech, buy now, pay later, insurance, or another regulated financial services environment is ideal.
  • Native or fluent Arabic and strong professional English, both written and spoken.
  • Strong written communication skills to draft clear, factual, regulator-appropriate case responses.
  • Sound judgment and the ability to make defensible decisions on case classification, remediation, and compensation within a policy framework.
  • Detail-oriented and structured, with the ability to work under tight regulator-driven timelines.
  • Ability to coordinate across internal teams and hold others to timelines without direct reporting authority.
  • Familiarity with Salesforce or similar case management tools is a plus.

Responsibilities

  • Act as Tamara's designated UAE-based complaints reviewer and submitter for cases raised through Sanadak and, when launched, the AECB Dispute & Complaints Management platform.
  • Review case investigations and draft responses prepared by the Care Operations maker team; validate their quality, accuracy, and completeness; and submit final responses to the regulator within required timelines.
  • Serve as the primary point of contact during business hours for calls, queries, and clarifications from Sanadak, AECB, and CBUAE case officers.
  • Track and manage regulator-driven case service-level agreements and escalate cases at risk of breach to the Head of Care Operations and Compliance in advance.
  • Coordinate with Care Operations, Compliance, Product, and Tech teams to identify and, where relevant, remediate the root cause of each escalated complaint.
  • Maintain complete, audit-ready records for every regulator-facing case, including correspondence, decisions, and supporting evidence.
  • Prepare periodic reports on regulator complaint volumes, resolution rates, service-level agreement adherence, and root-cause themes for internal governance and CBUAE or regulator inspections.
  • Support Care Operations and Compliance in responding to CBUAE audits and inspections, including by providing the complaints team organization chart, case samples, and supporting documentation as requested.
  • Flag process, product, or policy gaps identified through regulator complaints and drive them to closure with the appropriate internal owners.
  • Contribute to the continuous improvement of Tamara's UAE complaint-handling framework, including standard operating procedures, decision matrices, response templates, and quality standards.

Desired Qualifications

  • Direct experience handling regulator escalations, such as Sanadak, CBUAE, SAMA, or equivalent.
  • Experience in banking, fintech, buy now, pay later, insurance, or another regulated financial services environment.
  • Familiarity with Salesforce or similar case management tools.

About the Company

Tamara

Sharia-compliant BNPL for consumers and merchants

Tamara provides a buy now, pay later (BNPL) service tailored for the Middle East. It partners with merchants to offer consumers flexible payment options in Saudi Arabia, the United Arab Emirates, and Kuwait, with a Sharia-compliant framework. The product works by Tamara paying the merchant the full purchase amount upfront (minus a small merchant fee), while the consumer repays Tamara in installments over time, without late fees for delays. This model shifts payment risk to Tamara and aims to increase merchant sales while giving shoppers financial flexibility. Tamara differentiates itself from competitors through its focus on Islamic-law compliance and regional specialization, offering a merchant-centric, risk-bearing finance solution that fits local consumer expectations. Its goal is to become the leading BNPL provider in the Middle East, driving e-commerce growth by offering affordable, accessible, and compliant payment options for both shoppers and merchants.

Company size
1,001-5,000
Company stage
Debt Financing
Total funding
$2.4B
Headquarters
Riyadh, Saudi Arabia
Founded
2020

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