Credit Risk Expert

Multinational Company; Riyadh; On-site; SAR 450,000 - 720,000; Full time

Job summary

Multinational Company in Riyadh seeks a senior Credit Risk leader to develop review and implement credit risk policies aligned with regulations and market best practices, and to oversee underwriting decisioning for complex cases.

You will lead analytics, portfolio management of credit card products, and drive cross-functional collaboration with Sales, Operations, Compliance, Finance and Technology while ensuring SIMAH regulatory compliance.

Qualifications

• 12-15 years of experience in Credit Risk within Consumer Lending (Credit Cards focus).
• Minimum 5 years of hands-on experience in the Saudi Credit Cards market.
• Proven expertise in Credit Policy, Product Management, Underwriting, and Risk Analytics.
• Strong knowledge of SIMAH products, reports, and processes.

Responsibilities

• Develop, review and implement credit risk policies aligned with regulations and market best practices.
• Oversee end-to-end underwriting guide complex cases and enhance decisioning through analytics.
• Partner with Product, Sales and Business teams to optimize Credit Card offerings while managing risk.
• Leverage data to monitor portfolio health, delinquency and profitability presenting insights.
• Lead cross-functional collaboration with Compliance, Finance and Technology.

Skills

Credit Policy

Product Management

Underwriting

Risk Analytics

Tools

Python

SAS

SQL

Job description

Credit Risk Policy Management Develop review and implement credit risk policies aligned with regulations and market best practices

Underwriting Decisioning Oversee end-to-end underwriting guide complex cases and enhance decisioning through analytics

Product Portfolio Management Partner with Product Sales and Business teams to optimize Credit Card offerings while managing risk

Analytics Reporting Leverage data to monitor portfolio health delinquency and profitability presenting actionable insights

Cross-Functional Collaboration Work closely with Sales Operations Compliance Finance and Technology to ensure seamless execution

SIMAH Regulatory Compliance Ensure adherence to SIMAH requirements and act as a subject matter expert on Saudi credit bureau data

Leadership Mentor and develop risk and product teams fostering a performance-driven risk-aware culture

• 12-15 years of experience in Credit Risk within Consumer Lending (Credit Cards focus).
• Minimum 5 years of hands-on experience in the Saudi Credit Cards market.
• Proven expertise in Credit Policy, Product Management, Underwriting, and Risk Analytics.
• Strong knowledge of SIMAH products, reports, and processes.
• Demonstrated leadership and stakeholder management skills.
• Results-driven, adaptable, and agile in dynamic environments.

Key Points needed

• Credit & Debit Card Portfolio Analytics
• Marketing & Campaign Analytics
• Banking Tech Stack (Python, SAS, SQL)
• Statistical Modeling & Machine Learning
• Stakeholder Consulting & Communication