Head of Credit Risk

Sanabil venture studio; Saudi Arabia; On-site; SAR 300,000 - 400,000; Full time

Job summary

Sanabil venture studio is seeking a seasoned expert to build and manage TradePay's enterprise credit risk governance model in Saudi Arabia. The ideal candidate will leverage over 8 years of experience in credit risk and understand Saudi market dynamics. This role offers the potential to grow into a Chief Risk Officer as TradePay scales and matures.

The successful candidate will establish robust credit policies, oversee delinquency management, and engage with regulators while working in a fast-paced startup environment.

Qualifications

• 8+ years of experience in credit risk, portfolio risk, or enterprise risk management in Saudi Arabia.
• Experience working in regulated environments like banking or fintech.
• Strong grasp of delinquency management, collections, and portfolio controls.

Responsibilities

• Build and own TradePay's enterprise credit risk framework and governance model.
• Develop and maintain credit collections, fraud, and operational risk policies.
• Lead future risk committee structures and mentor team members.

Skills

Credit risk management

Delinquency management

Stakeholder management

Decision-making in fast-paced environments

Regulatory knowledge

Job description

Responsibilities

• Build and own TradePay s enterprise credit risk framework and governance model
• Define and manage risk appetite portfolio thresholds and escalation frameworks
• Develop and maintain credit collections fraud and operational risk policies
• Oversee repayment behavior monitoring delinquency management and collections governance
• Establish provisioning write-off and portfolio monitoring frameworks
• Review and approve credit override and exception management processes
• Work with Data and Product teams to ensure underwriting models align with risk policies and operational controls
• Build governance processes around merchant onboarding fraud escalation dispute resolution and collections
• Develop reporting frameworks for management investors and future regulatory readiness
• Prepare the business for future licensing and regulatory engagement in Saudi Arabia
• Support legal and compliance teams in ensuring operational and contractual alignment
• Lead future risk committee structures and build and mentor risk operations and collections team members

How Success Will Be Measured

Portfolio quality and delinquency rates provisioning accuracy governance and policy maturity regulatory readiness and the strength of risk frameworks as TradePay scales

Where This Role Can Go

Head of Risk Chief Risk Officer as TradePay scales and matures into a regulated entity

Qualifications

• You have 8+ years of Saudi experience in credit risk, portfolio risk, collections, or enterprise risk management
• You have worked in banking, SME lending, fintech lending, microfinance, or regulated financial institutions
• You understand Saudi market dynamics and SAMA expectations
• You have designed and implemented credit policies and governance frameworks from the ground up
• You have a strong grasp of delinquency management, collections, provisioning, and portfolio controls
• You have worked with regulators or operated within regulated environments
• You are strong on stakeholder management and decision-making, and can operate in fast-moving startup environments while maintaining governance discipline
• You communicate clearly in writing and in the room
• Bonus: experience in B2B BNPL, supply chain finance, embedded finance, SME or merchant lending, Islamic finance and Sharia-compliant structures, or early-stage fintech environments