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Tamara

Sharia-compliant BNPL for consumers and merchants

Associate Data Scientist - Builders Program

Data ScienceConfirmed live in the last 24 hours
Full-timeDubai - United Arab EmiratesNo salary listedIn-person

About the Job

Requirements

  • Fresh graduate or less than one year of relevant experience; internships, capstone projects, or part-time roles count.
  • Strong SQL fundamentals, including joins, aggregations, and window functions.
  • One programming language for data, preferably Python, with basic data manipulation, statistics, and modeling skills.
  • Ability to define problems, validate data, and explain results clearly.
  • Strong attention to detail and commitment to accurate, reliable outputs.
  • Ability to work effectively in a team-oriented environment.

Responsibilities

  • Translate product or business questions into testable hypotheses and clear success metrics.
  • Build and maintain metric definitions and analysis templates so decisions are consistent and repeatable.
  • Design, analyze, and interpret A/B tests and quasi-experiments when randomization is not possible.
  • Partner with product and engineering to ensure correct tracking, guardrails, and experiment quality.
  • Build baseline predictive and segmentation models, such as churn propensity, risk signals, and customer clustering, with clear evaluation and limitations.
  • Focus models on actionable use: identify who will use them, when, and which decisions they change.
  • Prototype small, safe LLM use cases to improve how teams explore data, such as natural-language Q&A over a curated dataset, experiment-result summaries, or investigation checklists.
  • Help define evaluation and validation approaches for AI-assisted outputs, including sanity checks, golden queries, offline test sets, and human review loops.
  • Partner with platform and security stakeholders to ensure AI workflows are permissioned correctly and do not leak sensitive data.
  • Create reusable, well-documented analysis assets, including datasets, feature tables, notebooks, dashboards, and simple services or jobs.
  • Collaborate with data engineering to productionize reliable pipelines where needed.
  • Validate data inputs, monitor key metrics, and investigate anomalies.
  • Document assumptions and build sanity checks so analyses and models are trustworthy.
  • Use AI to accelerate coding, documentation, and exploration while validating AI outputs, protecting sensitive data, and following safe data-handling practices.

Desired Qualifications

  • Exposure to experimentation platforms or frameworks, such as Statsig, Optimizely, or internal experimentation tooling.
  • Familiarity with modern analytics stacks, including dbt, BigQuery, Snowflake, Looker, Power BI, or Tableau, through coursework or projects.
  • Exposure to machine-learning tooling such as scikit-learn, notebooks, and basic MLOps concepts, and to version control with Git.
  • Familiarity with LLM concepts, including prompting basics, retrieval-augmented generation intuition, and evaluation approaches, through coursework or side projects.
  • Understanding of product analytics concepts such as funnels, cohorts, and retention, and causal pitfalls such as selection bias and confounding.
  • Experience creating AI-ready data assets, including clean semantic layers, metric definitions, data contracts, documentation, and sanity-check checklists.
  • Knowledge of responsible data handling, including personally identifiable information basics, access controls, and safe sharing.

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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