Job Overview
Senior Fintech Credit Operations Manager – Lending Systems & Portfolio Performance (Remote – Saudi Arabia)
Industry Context
Saudi Arabia’s fintech sector continues to expand rapidly across digital lending, SME financing, consumer credit platforms, and embedded lending ecosystems. As lending platforms scale, operational excellence and portfolio performance management become essential for profitability, repayment stability, and sustainable financial growth.
A highly capable Senior Fintech Credit Operations Manager is required to oversee lending operations, improve repayment systems, and strengthen financial portfolio performance across remote fintech environments.
This role offers strategic ownership of credit workflows, collections performance, and lending profitability optimization.
Core Mission
To strengthen lending ecosystems through:
- Efficient credit operations and portfolio control
- Improved repayment performance and collections efficiency
- Sustainable lending profitability and customer retention
- Operational discipline across financial systems
- Reliable financial visibility for executive decision-making
Primary Responsibilities
1. Lending Operations Management
- Oversee operational performance across digital lending products, customer repayment systems, and portfolio servicing workflows.
- Improve loan processing efficiency and customer lifecycle management.
- Strengthen repayment visibility and operational consistency across lending channels.
2. Portfolio Performance Optimization
- Analyze repayment trends, delinquency indicators, and portfolio risk concentration.
- Improve collections strategies and operational interventions for revenue protection.
- Strengthen lending profitability through process improvement and strategic performance management.
3. Financial Reporting & Performance Insights
- Build reporting frameworks for loan portfolio performance, repayment forecasts, and executive financial planning.
- Deliver actionable insights for leadership decision-making and growth planning.
- Improve forecasting accuracy and operational financial visibility.
4. Cross-Functional Lending Governance
- Collaborate with finance, compliance, collections, and product teams to strengthen lending operations.
- Ensure operational workflows remain aligned with internal controls and governance expectations.
- Support product enhancements for scalable lending growth.
Required Expertise
- Lending operations and portfolio servicing
- Credit performance analysis
- Collections optimization and repayment systems
- Financial reporting and revenue management
- Fintech operational governance
Ideal Candidate Profile
- 5–9+ years in lending operations, credit management, or fintech financial performance roles
- Strong understanding of digital lending ecosystems
- Experience managing repayment systems and collections operations
- Strong analytical thinking and strategic execution capability
Strategic Impact
This role improves how lending businesses across Saudi Arabia scale responsibly by ensuring portfolio stability, revenue protection, and sustainable fintech growth across digital lending ecosystems.
Compensation & Benefits
- Competitive Saudi-aligned salary
- Fully remote working flexibility
- Strategic ownership across high-value lending operations
- Performance-linked financial incentives
- Long-term career progression into senior lending leadership roles
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