Job Overview
MANAGER — Digital Lending & Credit Innovation
Location: Riyadh, Saudi Arabia — Remote / Hybrid
Seniority Level: Senior Management
Employment Type: Full-time, Permanent
Industry Focus: Fintech, Digital Lending, Credit Technology, Consumer Finance, Financial Analytics
Role Overview
We are seeking an experienced Manager to lead the development and optimization of technology-driven lending products. The role combines credit strategy, product innovation, analytics and fintech operations to create faster, more intelligent and commercially sustainable lending experiences.
The successful candidate will manage initiatives spanning digital credit origination, automated decisioning, customer segmentation, portfolio analytics and lending-product optimization.
Core Responsibilities
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Lead the development and enhancement of digital lending products.
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Design strategies for automated credit assessment and digital loan origination.
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Collaborate with data teams to improve credit-scoring and decisioning models.
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Analyse portfolio performance, approval rates, delinquency trends and customer behaviour.
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Develop customer segmentation strategies for differentiated lending products.
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Partner with engineering and product teams to improve lending journeys.
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Identify opportunities to reduce application friction while maintaining robust controls.
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Establish KPIs for loan performance, customer acquisition and portfolio quality.
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Conduct market research on emerging digital-credit models.
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Develop business cases for new lending products and features.
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Coordinate cross-functional product launches.
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Present portfolio insights and strategic recommendations to senior leadership.
Required Experience
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Bachelor’s degree in Finance, Economics, Business, Mathematics, Computer Science or a related field.
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6–9 years of experience in digital lending, banking, fintech, credit, financial analytics or product management.
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Strong understanding of credit lifecycle management.
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Experience with credit analytics, financial modelling and performance reporting.
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Familiarity with automated decisioning and data-driven financial products.
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Strong commercial judgement and stakeholder-management skills.
Key Competencies
Digital Credit • Credit Analytics • Lending Platforms • Product Management • Financial Modelling • Customer Segmentation • Risk Analytics • Data Strategy • Portfolio Management
Success Measure
The successful Manager will be measured by the ability to transform lending operations into a faster, data-driven and customer-centric digital experience while maintaining disciplined portfolio performance.
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