Job Overview
Executive Director – AI Credit Intelligence & Digital Lending Transformation
Location: Riyadh, Saudi Arabia
Industry: Fintech | Artificial Intelligence | Digital Lending | Credit Risk Systems
Employment Type: Full-Time
Work Model: Executive Leadership | Financial Intelligence & Lending Innovation
Role Overview
A high-growth financial technology environment in Riyadh is seeking a visionary Executive Director – AI Credit Intelligence & Digital Lending Transformation to lead the reinvention of credit systems through artificial intelligence, predictive analytics, and fully digitized lending ecosystems.
This role is designed for a senior fintech executive with deep expertise in credit risk modeling, lending infrastructure, financial data intelligence, underwriting automation, and digital financial product strategy. The successful candidate will be responsible for transforming traditional lending frameworks into intelligent, automated, and ecosystem-integrated credit platforms.
The objective is to build a next-generation credit infrastructure capable of powering consumer finance, SME lending, embedded credit solutions, and institutional financing while maintaining regulatory compliance and portfolio stability.
Key Responsibilities
- Lead enterprise strategy for AI-powered credit intelligence, underwriting automation, and digital lending transformation
- Design scalable lending ecosystems across SME financing, consumer credit, merchant lending, and embedded finance channels
- Develop predictive credit models for risk assessment, default forecasting, portfolio optimization, and pricing strategies
- Oversee automation of loan origination, approval workflows, credit scoring, and servicing systems
- Collaborate with compliance and regulatory teams to ensure alignment with Saudi financial regulations and governance frameworks
- Integrate lending systems into merchant platforms, payment ecosystems, and fintech partner networks
- Improve customer onboarding, credit lifecycle management, and loan servicing efficiency through digital transformation
- Establish executive reporting systems for credit portfolio health, risk exposure, and financial performance
- Support expansion into new credit markets and cross-border lending ecosystems
- Lead cross-functional teams across data science, risk, operations, product, and financial engineering
Required Qualifications
- Bachelor’s degree in Finance, Economics, Data Science, Financial Technology, or related field
- MBA or postgraduate qualification strongly preferred
- 10+ years of senior leadership experience in lending, fintech, credit systems, or financial services
- Strong expertise in credit scoring models, underwriting systems, and lending platforms
- Deep understanding of AI/ML applications in credit risk and financial decisioning
- Experience working in regulated banking or fintech environments
- Strong strategic leadership and executive communication skills
- Proven success in scaling lending or credit infrastructure programs
Preferred Expertise
- AI credit decisioning systems
- Embedded lending platforms
- SME financing ecosystems
- BNPL infrastructure
- Risk-based pricing models
- Lending automation systems
- Portfolio optimization frameworks
- Financial data intelligence
Compensation & Benefits
- Highly competitive executive compensation package
- Annual performance and innovation bonus
- Housing and relocation allowance
- Family healthcare and education support
- Strategic leadership succession pathway
- Participation in national fintech transformation initiatives
- International exposure in AI-driven finance ecosystems
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