Credit Risk Manager | Riyadh, SA

Lendo; Riyadh; On-site; SAR 45,000 - 70,000; Full time

Job summary

Lendo is seeking a Credit Risk Manager to enhance our lending integrity. In this role, you will assess borrowers' creditworthiness, manage loan portfolios, and ensure compliance with regulatory standards. The ideal candidate has a background in finance and robust analytical skills, with a commitment to sound credit decision-making.

Qualifications

• 4-5 years of experience in a credit or risk-related role, preferably in lending or FinTech.
• Strong knowledge of KSA banking data and regulatory frameworks.

Responsibilities

• Evaluate client creditworthiness through financial analysis and risk scoring.
• Monitor loan portfolio health and propose risk mitigation strategies.
• Ensure compliance with internal policies and Shariah principles.

Skills

Analytical skills

Communication

Risk assessment

Detail-oriented

Education

Bachelor's degree in Accounting, Finance, Business Administration

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:

• Assess the creditworthiness of potential borrowers through financial analysis, risk scoring, and due diligence.
• Recommend credit approvals or rejections to the Credit Committee with well-supported justifications.
• Ensure all credit activities and loan decisions comply with internal policies, regulatory guidelines, and Shariah principles.
• Monitor the health of the loan portfolio, identifying risk trends and proposing mitigation strategies.
• Generate reports and insights related to borrower performance, loan exposures, and credit portfolio quality.
• Support the broader Credit & Risk function with tasks related to loan origination, portfolio tracking, and borrower management as required.

Qualifications:

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field.
• 4-5 years of experience in a similar credit or risk-related role, preferably within the lending or FinTech space.
• Solid understanding of Invoice Financing products and how they function in a commercial lending context.
• Strong knowledge of KSA banking data and its application in credit assessment and decision-making.
• Familiarity with the KSA lending environment, including regulatory frameworks and market dynamics.

General Requirements:

• Excellent communication skills - fluent in Arabic & English is a must.
• Strong analytical mindset with the ability to interpret complex financial data.
• Detail-oriented and highly organized in a fast-paced environment.
• Strong interpersonal skills and the ability to collaborate across teams.
• Comfortable working under pressure and managing multiple priorities simultaneously.

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