Credit Risk Manager

About CreditLine

• CreditLine is an innovative micro-lending company dedicated to transforming access to credit by leveraging cutting-edge artificial intelligence (AI) and machine learning (ML).
• Our mission is to bridge the gap in financial inclusion by serving individuals employed in the private sector and others traditionally underserved by conventional banking institutions.
• At CreditLine, we believe every borrower is unique.
• Our AI-driven platform analyzes comprehensive behavioral data beyond traditional financial metrics, enabling us to deliver personalized credit solutions tailored specifically to each customer’s financial circumstances and risk profile.
• This technology-driven approach allows us to assess risk more fairly and accurately, ensuring individuals receive the credit they deserve at terms aligned precisely with their needs.
• By combining advanced data science with a deep understanding of market gaps, CreditLine empowers people to unlock their financial potential, fostering greater economic opportunity and financial resilience for everyone. **Job Summary:**
• The Credit Risk Manager owns CreditLine’s credit risk process and strategy for consumer financing and serves as the company’s subject-matter expert on retail credit risk. The role is responsible for reviewing credit applications from a credit risk perspective including repayment history, creditworthiness, and behavioral indicators leading and supporting the team of credit analysts to ensure consistent, high-quality decision-making, and representing CreditLine on credit risk matters in front of investors, creditors, regulators, and other third parties. The manager also prepares board- and executive-level reports covering portfolio performance, origination quality, and credit risk indicators to support sound decision-making across the organization.### **Roles and Responsibilities:**
• Own the end-to-end credit risk process and strategy for CreditLine’s consumer financing business, and act as the company’s subject-matter expert on retail credit risk.
• Design, implement, and continuously enhance credit risk policies, procedures, and limits governing the issuance, monitoring, and recovery of credit across consumer financing products.
• Develop and maintain the credit risk appetite framework for the retail portfolio, including portfolio limits, concentration thresholds, exception protocols, and approval authority matrices.
• Review credit applications from a credit risk perspective including repayment history, creditworthiness, debt burden, and behavioral indicators providing the final risk decision
• Lead, coach, and support the team of credit analysts, setting standards for credit assessments, ensuring consistent application of credit policy, and developing the team’s technical capabilities.
• Represent CreditLine on credit risk matters in front of investors, creditors, rating agencies, regulators, auditors, and other third parties, providing clear and credible articulation of the company’s credit risk posture.
• Prepare board-level and executive-level reports covering portfolio performance, origination quality, vintage trends, delinquency and roll rates, concentration shifts, and early-warning indicators of credit deterioration.
• Provide the credit risk department’s scope, data, and inputs to the CFO to support the Expected Credit Loss (ECL) and IFRS 9 provisioning process owned by Finance.
• Drive enhancements to the credit risk engine, scoring methodologies, and decisioning logic to maintain a best-practice consumer financing approach aligned with the retail customer base.
• Collaborate with product, operations, technology, and collections teams to ensure credit strategies align with business goals and to streamline the end-to-end consumer credit decisioning process.
• Lead initiatives to enhance the efficiency and automation of credit risk evaluation using advanced analytics, AI, and data-driven insights.
• Ensure compliance with SAMA’s Consumer Finance Regulations, Responsible Lending Principles, and other applicable credit-related guidelines and reporting requirements.
• Foster a strong credit risk culture across the organization through training, awareness sessions, and ongoing engagement with business stakeholders.
• Support different teams with the existing counter fraud and AML efforts.

Skills, Knowledge and Expertise

• Bachelor's degree in Finance, Economics, Business Administration, or a related field.
• 7+ years of experience in credit risk management, consumer lending, fintech, banking, or financial services.
• Strong analytical and problem-solving skills with the ability to interpret complex financial and behavioral data.

About Malaa