Credit Risk Manager

Lendo | ليندو; Riyadh; On-site; SAR 250,000 - 420,000; Full time

Job summary

Lendo in Riyadh seeks a Credit Risk Manager to strengthen the integrity of our lending process by evaluating client creditworthiness, assessing risk across portfolios, and driving strategies to approve or reject loan requests with confidence.

You will conduct comprehensive credit assessments, review proposals for compliance with policies and SAMA regulations, prepare evidence-based recommendations for the Credit Committee, and monitor portfolio quality while collaborating with Sales, Legal, and

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field.

Responsibilities

• Conduct comprehensive credit assessments of SME financing applications through financial statement analysis and cash flow evaluation.
• Review credit proposals for completeness, accuracy, and compliance with Lendo's policies and regulatory requirements.
• Prepare evidence-based credit recommendations for the Credit Committee with clear risks and mitigants.
• Assess credit exposures to ensure alignment with risk appetite and internal rating framework.
• Monitor portfolio performance and identify emerging risks and delinquency trends with mitigation plans.
• Produce regular credit risk reports and portfolio insights on borrower performance and loan exposures.
• Support enhancement of credit policies and underwriting frameworks for consistent decision quality.
• Collaborate with Sales, Credit Operations, Legal, and other stakeholders to ensure efficient decision-making while maintaining risk controls.
• Ensure lending activities comply with SAMA regulations and Shariah-compliant financing principles.

Skills

Credit risk assessment

Financial analysis

Analytical problem-solving

Communication skills

Stakeholder management

Arabic & English

Shariah/compliance awareness

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field

Tools

Microsoft Excel

Job description

As we continue to grow at Lendo, we’re looking for a Credit Risk Manager to strengthen the integrity of our lending process and ensure sound credit decisions. In this key role, you’ll evaluate client creditworthiness, assess risk across portfolios, and drive strategies to approve or reject loan requests with confidence and consistency.

Key Responsibilities:

• Conduct comprehensive credit assessments of SME financing applications through financial statement analysis, cash flow evaluation, and due diligence to determine creditworthiness.
• Review credit proposals to ensure they are complete, accurate, and compliant with Lendo's credit policies, underwriting standards, and regulatory requirements.
• Prepare clear, evidence-based credit recommendations for the Credit Committee, outlining key risks, mitigants, and approval or rejection rationale.
• Assess credit exposures to ensure alignment with Lendo's risk appetite, portfolio concentration limits, and internal risk rating framework.
• Monitor the performance and quality of the credit portfolio, identifying emerging risks, delinquency trends, and recommending appropriate mitigation strategies.
• Produce regular credit risk reports and portfolio insights, providing analysis on borrower performance, loan exposures, and overall portfolio quality.
• Support the ongoing enhancement of credit policies, underwriting frameworks, and risk management processes to improve consistency and decision quality.
• Collaborate with Sales, Credit Operations, Legal, and other internal stakeholders to ensure efficient credit decision-making while maintaining strong risk controls.
• Ensure all lending activities comply with SAMA regulations, internal governance requirements, and Shariah-compliant financing principles.

Qualifications:

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
• 4–10 years of experience in a Credit Risk, Credit Underwriting, or similar lending-related role, preferably within a bank, financial institution, or FinTech.
• Strong understanding of invoice financing products and SME lending within a commercial financing environment.
• Good knowledge of the Saudi banking and financial services landscape, including credit bureau data and its application in credit assessment.
• Familiarity with the KSA regulatory environment and lending frameworks, including SAMA requirements and Shariah-compliant financing principles.
• Strong financial analysis and credit assessment skills, with the ability to interpret financial statements, cash flows, and borrower risk.
• Excellent analytical and problem-solving abilities, with strong attention to detail and sound commercial judgement.
• Excellent communication and stakeholder management skills, with the ability to present clear credit recommendations.
• Fluent in both Arabic and English (written and spoken).
• Proficient in Microsoft Excel and other reporting or credit analysis tools.