Senior SME Credit Risk Manager - IFRS 9 & ECL Analytics

تمام | tamam; Riyadh; On-site; SAR 300,000 - 420,000; Full time

Job summary

Tamam is seeking a Credit Risk Manager to develop and enhance the company’s credit risk framework, portfolio monitoring, and risk analytics with a focus on SME portfolios. The role will drive assessment of credit quality, provisioning, and emerging risk trends.

The ideal candidate will have 5+ years in credit risk, IFRS 9, ECL, and financial analysis, with exposure to banking, FinTech, lending, or risk advisory environments. Strong English communication is required.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Risk Management, or related field.

Responsibilities

• Monitor and assess credit portfolio performance across SME, corporate, and retail exposures.
• Review and assess IFRS 9 and ECL methodologies, including PD, LGD, EAD, staging criteria, macroeconomic factors, and management overlays.
• Identify emerging credit risks, portfolio deterioration trends, and areas requiring management attention.
• Perform financial statement and credit risk analysis to assess borrowers’ financial position and repayment capacity.
• Support the development and enhancement of credit risk models, scorecards, policies, and portfolio monitoring tools.
• Review controls related to credit approval, disbursement, monitoring, and provisioning processes.
• Support stress testing, portfolio segmentation, and credit risk assessments where required.
• Prepare regular credit risk reports, analysis, and recommendations for senior management and relevant committees.
• Work closely with Finance, Credit, Collections, Data, Compliance, and Business teams on credit risk-related initiatives.

Skills

Credit risk

Financial analysis

Stakeholder management

IFRS 9

Education

Bachelor's degree in Finance

Tools

Excel

Credit risk models

Job description

Tamam is seeking a Credit Risk Manager to develop and enhance the company’s credit risk framework, portfolio monitoring, and risk analytics with a focus on SME portfolios. The role will drive assessment of credit quality, provisioning, and emerging risk trends.

The ideal candidate will have 5+ years in credit risk, IFRS 9, ECL, and financial analysis, with exposure to banking, FinTech, lending, or risk advisory environments. Strong English communication is required.