Credit Risk Expert

Term

Mandatory requirements

• Should have prior experience in Credit Policy, Product Management, Underwriting Process, Analytics etc.
• Understanding of SIMAH products and processes.

Purpose Of Job

Credit Risk & Policy Management

• Lead the development, review, and implementation of credit risk policies for Consumer Lending, with a primary focus on Credit Cards.
• Ensure policies align with regulatory requirements, business objectives, and market best practices.
• Continuously monitor portfolio performance and recommend policy changes to manage risk effectively.

Underwriting & Credit Decisioning

• Oversee end-to-end underwriting processes, ensuring sound credit assessment and consistent decisionmaking.
• Provide guidance on complex or high-risk credit cases and ensure adherence to approved underwriting frameworks.
• Drive improvements in credit decisioning through analytics, scorecards, and data-driven insights.

Product & Portfolio Management

• Partner with Product, Sales, and Business teams to support the launch and optimisation of Credit Card products from a risk perspective.
• Balance growth and risk by defining eligibility criteria, limits, pricing inputs, and risk-based segmentation.
• Track portfolio trends, delinquency, losses, and profitability, and take proactive corrective actions.

Analytics & Reporting

• Leverage risk analytics to assess portfolio health, customer behaviour, and emerging risks.
• Present actionable insights and recommendations to senior management and cross-functional stakeholders.

Sales & Cross-Functional Collaboration

• Develop a strong understanding of Credit Card sales processes to ensure risk frameworks support business growth without compromising credit quality.
• Work closely with Sales, Operations, Compliance, Finance, and Technology teams to ensure seamless execution of credit strategies.

SIMAH & Regulatory Compliance

• Ensure full compliance with SIMAH requirements, products, and reporting processes.
• Act as a subject matter expert on Saudi credit bureau data and its application in underwriting and portfolio management.

People & Stakeholder Management

• Strong implementations focus to drive the expansion of new segments as identified
• Lead, mentor, and develop cards product team, credit risk teams, fostering a strong performance and riskaware culture.
• Build effective working relationships with internal and external stakeholders through strong interpersonal and communication skills.

Knowledge And Experience

• Minimum 12–15 years of experience in Credit Risk within Consumer Lending, preferably in Credit Cards.
• At least 5 years of hands-on experience in the Saudi Credit Cards market.
• Proven experience in Credit Policy, Product Management, Underwriting, and Risk Analytics.
• Prior experience managing teams and working with cross-functional stakeholders.
• Strong understanding of Credit Card business models, sales processes, and consumer risk management.
• In-depth knowledge of SIMAH products, reports, and processes.
• Solid analytical skills with the ability to translate data into actionable risk strategies.
• Results-driven mindset with the ability to perform in a fast-paced, dynamic environment.
• High adaptability and agility to respond quickly to market, regulatory, or business changes.
• Excellent interpersonal, stakeholder management, and communication skills.