Credit Risk Expert
Skills
About This Role
About Neostats Analytics
NeoStats is a new-age, Data & Analytics firm offering contemporary solutions and infinite possibilities.
Our mission is to create lasting competitive advantage for our clients by transforming them into world-class, data-driven organizations.
Established in 2022 to provide End to End Data & Analytics Services, we are headquartered out of UAE, with bases in India & UK.
Comprising of industry veterans, we enable structural transformations in Analytics powered by our expertise, true partnership, and e2e implementation approach.
About the Job
We are seeking a seasoned
Credit Risk Expert
with extensive experience in Consumer Lending, particularly in the Saudi Credit Cards market.
This role will be pivotal in shaping and managing credit risk strategies, policies, and frameworks, ensuring alignment with regulatory requirements and business objectives.
The ideal candidate will possess a blend of technical expertise, strategic thinking, and leadership skills to drive credit risk management excellence.
Responsibilities
1.
Credit Risk & Policy Management
- Develop, review, and implement credit risk policies for Consumer Lending, focusing on Credit Cards.
- Ensure alignment with regulatory standards, market best practices, and business goals.
- Monitor portfolio performance and recommend policy enhancements to mitigate risks effectively.
- 2.
Underwriting & Credit Decisioning
- Oversee underwriting processes, ensuring sound and consistent credit assessments.
- Provide guidance on complex/high-risk credit cases and enhance decisioning frameworks through analytics.
- 3.
Product & Portfolio Management
- Collaborate with Product, Sales, and Business teams to optimize Credit Card products from a risk perspective.
- Define eligibility criteria, pricing inputs, and risk segmentation while tracking portfolio trends.
- 4.
Analytics & Reporting
- Leverage analytics to assess portfolio health, customer behavior, and emerging risks.
- Present actionable insights and recommendations to senior stakeholders.
- 5.
People & Stakeholder Management
- Lead, mentor, and develop credit risk teams while fostering a risk-aware culture.
- Build strong relationships with internal and external stakeholders to support business growth.
Experience
- Minimum 12–15 years in Credit Risk within Consumer Lending, with at least 5 years in the Saudi Credit Cards market.
- Proven expertise in Credit Policy, Product Management, Underwriting, and Risk Analytics.
- Prior experience managing teams and cross-functional stakeholders.
Technical & Functional Skills
- Strong understanding of Credit Card business models and consumer risk management.
- Deep knowledge of credit bureau data and underwriting processes.
- Proficiency in portfolio monitoring, including delinquency, losses, and profitability.
Soft Skills
- Exceptional stakeholder management and communication skills.
- High adaptability to regulatory and market changes.
- Results-driven mindset with strong execution capabilities.
- What we offer:
- Competitive Salary and Benefits
- Opportunity to be part of a fast-paced and growing startup. Grow your career with the company
- Ownership - You will own your initiative and be given specific responsibilities
- Continuous coaching & mentoring – You will have the opportunity to interact and work closely with other senior data scientists and AI experts across the globe.
- Dynamic and respectful work environment – we truly value you
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