Credit Risk Manager: SME Lending & Compliance

Lendo; Riyadh; On-site; SAR 350,000 - 650,000; Full time

Job summary

Lendo in Riyadh is hiring a Credit Risk Manager to strengthen lending decisions and assess creditworthiness of SME applications. You will analyze financials, review proposals, and provide evidence-based recommendations to the Credit Committee.

As a senior team member, you will monitor portfolio quality, generate risk reports, and help enhance policies while ensuring adherence to SAMA regulations and Shariah-compliant principles. Arabic and English fluency and strong Excel skills are essential.

Qualifications

• Bachelor-level degree in Finance, Accounting, Business Administration, Economics, or related field.
• 4–10 years in Credit Risk, Underwriting, or related lending roles.
• Strong understanding of SME lending and invoice financing.
• Knowledge of Saudi banking, credit bureaus, and SAMA regulations.

Responsibilities

• Conduct comprehensive credit assessments of SME financing applications via financial statement analysis and cash flow review.
• Review credit proposals for completeness, accuracy, and compliance with policies and regulatory requirements.
• Prepare clear credit recommendations for the Credit Committee with rationale and mitigants.
• Monitor exposures and portfolio quality, identifying risks and recommending mitigations.
• Produce regular credit risk reports and portfolio insights for management.

Skills

Credit risk analysis

Credit assessment

Financial statement analysis

Stakeholder management

Excel proficiency

Analytical thinking

Education

Bachelor's degree in Finance, Accounting, or related field

Tools

Microsoft Excel

Credit analysis tools

Job description

Lendo in Riyadh is hiring a Credit Risk Manager to strengthen lending decisions and assess creditworthiness of SME applications. You will analyze financials, review proposals, and provide evidence-based recommendations to the Credit Committee.

As a senior team member, you will monitor portfolio quality, generate risk reports, and help enhance policies while ensuring adherence to SAMA regulations and Shariah-compliant principles. Arabic and English fluency and strong Excel skills are essential.