Head of Credit Operations

About Soar

Role overview

Credit operations

• Coordinate documentation verification, eligibility validation, application completeness, and end-to-end digital credit processing.
• Prepare and maintain disbursal packages, ensuring all preconditions are met before funds are released.
• Validate, digitize, and securely store customer documents in line with data and regulatory standards.
• Support underwriting through documentation flows, property-value verification, and finance-file completeness.

Valuation and workflow management

• Manage appraisal requests, submissions, report quality, and timeliness with certified real-estate evaluation agencies.
• Own valuation-agency onboarding, performance tracking, SLA compliance, and issue resolution.
• Collaborate with underwriting, legal, and finance teams to improve finance operations workflows and platform efficiency.
• Manage post-disbursal tranche activities, condition tracking, documentation follow-up, and system updates.

Compliance and records

• Assist with audit preparation, compliance checks, and regulatory and internal-control reporting.
• Contribute to process documentation, automation initiatives, and operational risk mitigation.
• Maintain accurate finance-management-system records throughout the credit lifecycle.
• Ensure compliance with internal credit policies and external requirements such as KYC, AML, and mortgage regulations.

Essential qualifications

• Bachelor’s degree in Finance, Business, Accounting, or a related field.
• At least 5 years of credit administration or finance operations experience involving mortgage products at a fintech or bank.
• Experience with ready-to-move, off-plan, or self-construct mortgages on Murabaha or Ijarah basis.
• Full knowledge of KSA home-financing market dynamics, processes, pricing, requirements, and regulatory frameworks.
• Understanding of digital finance origination systems, credit workflows, document validation, real-estate valuation, and vendor relationships.

Desirable qualifications

• Experience with a fully digital mortgage or consumer lending platform.
• Working knowledge of property collateral documentation, real-estate risk assessment, fintech automation, API-based systems, or vendor performance management.
• A resourceful, adaptable start-up mindset and comfort with ambiguity.