Job Overview

AI-Powered Credit Risk Analyst – Predictive Lending Systems (Hybrid Remote – Saudi Arabia)

Industry oversight

Saudi Arabia’s digital banking transformation is accelerating across SME lending, consumer finance, and embedded credit services. Traditional credit models are no longer sufficient in fast-moving financial ecosystems where real-time decisions and alternative financial data are becoming central.

An AI-Powered Credit Risk Analyst is required to support predictive lending systems using advanced analytics, behavioral scoring, and AI-driven credit intelligence.

This hybrid role blends remote analytical work with strategic local collaboration across lending operations, product strategy, and governance functions.

Core Mission

To improve lending ecosystems by ensuring:

• Faster and smarter credit decisions
• Predictive borrower risk assessment
• AI-enhanced lending governance and portfolio quality

Primary Responsibilities

1. Predictive Credit Risk Modeling

• Support the development of AI-driven credit scoring models for retail and SME lending.
• Use behavioral, transactional, and alternative financial data to improve borrower assessment.
• Enhance lending decisions through predictive portfolio intelligence.

2. Lending Performance Analytics

• Monitor repayment behavior, default trends, and portfolio health indicators.
• Build analytical frameworks for loan performance tracking and early warning systems.
• Improve visibility into lending risk concentration.

3. Model Governance & Validation

• Validate model performance and ensure fairness in credit decisions.
• Support explainability and regulatory readiness for AI lending systems.
• Reduce bias and improve transparency in predictive credit scoring.

4. Product & Compliance Collaboration

• Work with lending product teams and compliance specialists.
• Translate analytical findings into lending policy improvements.
• Ensure AI-driven decisions align with responsible banking standards.

Core Technical Skills

• Predictive analytics and machine learning concepts
• Financial risk modeling and portfolio analysis
• SQL, Python, and data visualization tools
• Credit scoring and lending system understanding

Ideal Candidate Profile

• 5–9+ years in lending analytics, risk modeling, or fintech credit operations
• Strong understanding of AI applications in credit decision-making
• Experience in banking, lending, or financial services environments
• Strong analytical and regulatory awareness

Strategic Impact

This role improves Saudi Arabia’s lending ecosystem by enabling smarter credit decisions, stronger portfolio quality, and responsible AI-driven banking growth.

Compensation & Benefits

• Competitive Saudi-aligned salary
• Hybrid remote flexibility
• Strategic influence in digital lending transformation
• Performance-based rewards and long-term growth opportunities

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