RISK MIS ANALYST

Shabakkat KSA (Member of IPT PowerTech Group); Riyadh Region; On-site; SAR 120,000 - 170,000; Full time

Job summary

The Tamam Risk MIS Analyst supports the risk management function by preparing, maintaining, and enhancing MIS reports and dashboards. You will analyse credit portfolio performance, monitor KRIs, ensure data accuracy, and automate recurring reports to enable informed decisions and early risk identification.

Collaborating with IT, Finance, and risk teams, you will validate data, develop SQL queries and dashboards, maintain reporting calendars, and contribute to regulatory reporting and governance

Qualifications

• Bachelor’s degree in Finance, Statistics, Mathematics, Economics, or a related field.

Responsibilities

• Prepare, maintain, and distribute daily, weekly, and monthly risk reports and dashboards.

Skills

Microsoft Excel

SQL

Power BI

Python

Education

Bachelor’s degree in Finance, Statistics, Mathematics, Economics, or related field

Tools

SQL

Power BI

Job description

• Reporting To: Risk Manager / Designated Line Manager

2. Job Purpose

The Risk MIS Analyst is responsible for preparing, maintaining, and enhancing risk management information systems (MIS) reports and dashboards to support Tamam’s risk management function. The role involves analysing credit portfolio performance, monitoring key risk indicators, ensuring data accuracy, and automating recurring reports to enable informed decision-making, effective portfolio oversight, and early identification of emerging risks.

3. Key Roles and Responsibilities

A. Risk Reporting and MIS

• Prepare, maintain, and distribute daily, weekly, and monthly risk reports and dashboards to support portfolio monitoring and management decision-making.
• Consolidate data from relevant systems and departments to ensure accurate, consistent, and reliable risk reporting.
• Assist in preparing risk reports, analytical summaries, and presentations for senior management and relevant committees.
• Support the preparation, validation, and reconciliation of data required for regulatory reporting.
• Maintain reporting calendars and ensure the timely delivery of recurring and ad hoc reports.

B. Portfolio Monitoring and Analysis

• Monitor credit portfolio performance, including outstanding balances, delinquency rates, defaults, roll rates, and vintage performance.
• Analyse portfolio trends across customer segments, financial products, origination periods, and other relevant risk dimensions.
• Monitor collection performance, including recoveries, cure rates, overdue balances, and movements across delinquency buckets.
• Track approved risk appetite metrics, portfolio limits, and Key Risk Indicators (KRIs), escalating breaches and material deviations to the relevant stakeholders.
• Investigate unusual trends, variances, and changes in portfolio performance, providing clear analytical insights and recommendations.
• Provide data and analytical support for credit policy reviews, portfolio assessments, risk initiatives, and management decisions.

C. Data Quality and Reporting Automation

• Perform data validation, reconciliation, and consistency checks to ensure the accuracy and completeness of risk reports.
• Investigate reporting discrepancies and coordinate with relevant teams to resolve data quality issues.
• Develop, maintain, and optimise SQL queries, reporting templates, and dashboards using approved analytical tools.
• Support the automation of recurring reports and reporting processes to improve efficiency, minimise manual effort, and reduce errors.
• Document reporting definitions, calculation methodologies, data sources, assumptions, and validation procedures.
• Support the testing and validation of system enhancements and changes that may affect risk data, calculations, or reporting outputs.

D. Coordination, Governance, and Compliance

• Coordinate with IT, Data, Finance, Collections, and other relevant departments to address reporting requirements and data-related issues.
• Maintain appropriate records, audit trails, and supporting documentation for reported figures and analytical outputs.
• Ensure the confidentiality, integrity, and appropriate handling of customer and business information in accordance with internal policies and access controls.
• Support adherence to applicable regulatory reporting requirements and internal risk governance standards.
• Perform other related duties and responsibilities as assigned by the line manager.

4.Education, Experience, and Qualifications

• Bachelor’s degree in Finance, Statistics, Mathematics, Economics, Business Analytics, Management Information Systems, or a related discipline.
• 1–3 years of relevant experience in risk reporting, management information systems (MIS), data analysis, or portfolio analytics, preferably within the financial services or fintech sector.
• Proficiency in Microsoft Excel and SQL, with practical experience in Power BI or similar business intelligence and reporting tools.
• Basic understanding of consumer lending, credit risk indicators, delinquency trends, and collection performance metrics.
• Strong analytical, problem-solving, and numerical skills, with a high level of attention to detail and accuracy.
• Ability to interpret complex data and communicate findings clearly to technical and non-technical stakeholders.
• Knowledge of Python or other analytical programming tools will be considered an advantage.

5. Key Performance Expectations

The role holder is expected to:

• Deliver accurate and timely risk reports in accordance with established reporting schedules.
• Maintain high standards of data accuracy, completeness, and reconciliation.
• Identify and elevate significant portfolio movements, risk indicator breaches, and reporting anomalies promptly.
• Improve reporting efficiency through automation and process enhancements.

Maintain adequate documentation, data confidentiality, and compliance with internal reporting standards.