Capital Efficiency Lead: RWA, RoTE & Pricing

SAB; Riyadh; On-site; SAR 300,000 - 600,000; Full time

Job summary

SAB's Corporate & Institutional Banking team seeks a capital management expert to drive returns, RWA optimization, and pricing governance in Riyadh. You will collaborate with RMs to shape capital-efficient lending and oversee the Omnia Returns Calculator, aligning pricing with regulatory and internal reporting rules.

You will influence portfolio-level yields and risk-adjusted returns, while maintaining robust data controls and contributing to ICAAP/ILAAP processes.

Qualifications

• Experience in capital management, loan pricing and limits is a must.
• Strong knowledge of Weighted Assets / RWA, Basel, RAROC, capital optimization.
• Bachelor's or Master's degree in any related major.

Responsibilities

• Act as CIB expert on returns, including RWA, RoRWA, RoTE, density and velocity trends.
• Raise awareness of capital consumption with Relationship Managers and advise on capital-efficient lending structures.
• Originate and oversee capital-efficiency initiatives to release RWAs and improve RoRWA and Capital Velocity.
• Oversee Loan Pricing Policy to ensure commercial policy and client negotiations within boundaries.
• Own Omnia Returns Calculator alignment with RWA reporting methodology.
• Approve loan pricing in Omnia Returns Calculator and advise on pricing comparables before origination.
• Advise on portfolio-level yields, margin trends, and spread leakage by sector/currency/tenor.
• Ensure robust controls for loan margins and data input.
• Identify low-return CIB clients and develop plans to enhance returns.
• Own CIB returns as a direct KPI and manage any RWA cap.
• Contribute to ICAAP, ILAAP, and related risk processes.

Skills

Capital management

Loan pricing

RWA / RoRWA

Capital optimization

Data quality

Education

Bachelor's or Master's degree

Job description

SAB's Corporate & Institutional Banking team seeks a capital management expert to drive returns, RWA optimization, and pricing governance in Riyadh. You will collaborate with RMs to shape capital-efficient lending and oversee the Omnia Returns Calculator, aligning pricing with regulatory and internal reporting rules.

You will influence portfolio-level yields and risk-adjusted returns, while maintaining robust data controls and contributing to ICAAP/ILAAP processes.