Job Overview
Executive Director – AI-Powered Credit Intelligence & Digital Lending Transformation
Location: Riyadh, Saudi Arabia
Industry: Fintech | Artificial Intelligence | Digital Lending | Credit Infrastructure
Employment Type: Full-Time
Work Model: Executive Leadership | Financial Intelligence & Lending Strategy
Role Overview
A rapidly expanding financial technology ecosystem in Riyadh is seeking an elite Executive Director – AI-Powered Credit Intelligence & Digital Lending Transformation to lead the evolution of next-generation lending systems powered by artificial intelligence, predictive analytics, and real-time financial intelligence.
This role is designed for a senior fintech leader with deep expertise in credit systems, underwriting intelligence, lending architecture, risk modeling, and digital financial product design. The successful candidate will be responsible for transforming traditional credit frameworks into fully automated, data-driven, and ecosystem-integrated lending platforms.
The objective is to build intelligent lending infrastructure that supports consumer finance, SME credit, embedded lending, and institutional financing at scale while maintaining strong regulatory compliance and portfolio resilience.
Key Responsibilities
- Lead enterprise strategy for AI-driven credit scoring, underwriting automation, and digital lending transformation
- Design and optimize lending ecosystems including SME financing, consumer credit, BNPL systems, and merchant lending platforms
- Build predictive credit intelligence models for risk segmentation, default prediction, and portfolio optimization
- Oversee development of automated decision engines for loan approvals, pricing, and risk-adjusted lending strategies
- Collaborate with compliance, regulatory, and risk governance teams to ensure alignment with Saudi financial regulations
- Drive integration of lending systems into merchant platforms, payment ecosystems, and embedded finance channels
- Improve customer onboarding, credit lifecycle management, and loan servicing workflows through automation and analytics
- Establish executive dashboards for credit portfolio performance, risk exposure, and profitability tracking
- Support expansion into new credit markets and cross-border lending ecosystems
- Lead multidisciplinary teams across data science, product, risk, operations, and financial engineering
Required Qualifications
- Bachelor’s degree in Finance, Economics, Data Science, Financial Technology, or related discipline
- MBA or postgraduate qualification strongly preferred
- 10+ years of leadership experience in digital lending, credit risk, fintech, or financial services
- Strong expertise in credit scoring systems, underwriting models, and lending platforms
- Deep understanding of AI/ML applications in financial risk and credit decisioning
- Experience working in regulated banking or fintech environments
- Strong strategic leadership and executive communication capabilities
- Proven success in scaling lending portfolios or credit infrastructure
Preferred Expertise
- AI credit decision systems
- Embedded lending infrastructure
- SME financing platforms
- BNPL ecosystem architecture
- Risk-based pricing models
- Lending automation systems
- Portfolio optimization frameworks
- Financial data intelligence systems
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 across credit and AI finance ecosystems
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