Credit Risk Manager — SME Financing & Policy

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

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