Credit Risk Manager

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.