Head of Credit Risk & Risk Governance

Sanabil Venture Studio; Riyadh Region; On-site; SAR 600,000 - 1,000,000; Full time

Benefits offered by this job

Competitive pay

Equity

Premium gear

Mentorship that matters

Accelerated learning

Job summary

Sanabil Studio in Saudi Arabia seeks a Head of Risk to build and lead TradePay's credit risk governance and portfolio risk management, reporting to the Founder. You will establish enterprise risk framework and policies across credit, collections, fraud, and operations, aligning with regulatory expectations.

You have 8+ years in Saudi credit risk or related areas, with experience in banking or fintech lending, and a proven ability to design governance frameworks, monitor delinquency,

Qualifications

• 8+ years of Saudi experience in credit risk, portfolio risk, collections, or enterprise risk management.
• Experience in banking, SME lending, fintech lending, microfinance, or regulated financial institutions.
• Understanding Saudi market dynamics and SAMA expectations.
• Experience designing and implementing credit policies and governance frameworks.
• Strong knowledge of delinquency management, provisioning, and portfolio controls.
• Experience working with regulators or operating within regulated environments.

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

Skills

Credit risk

Portfolio risk

Governance

Regulatory readiness

Stakeholder management

Job description

Sanabil Studio in Saudi Arabia seeks a Head of Risk to build and lead TradePay's credit risk governance and portfolio risk management, reporting to the Founder. You will establish enterprise risk framework and policies across credit, collections, fraud, and operations, aligning with regulatory expectations.

You have 8+ years in Saudi credit risk or related areas, with experience in banking or fintech lending, and a proven ability to design governance frameworks, monitor delinquency,