Job Overview

Senior Fintech Digital Lending Risk- Collections Strategy & Portfolio Optimization Manager – Riyadh, Saudi Arabia

Job Type: Full-Time

Experience Level: Senior (9–13 years)

Functional Area: Lending | Risk Management | Collections Strategy

Role Overview

Digital lending success depends not only on origination but on effective risk management and collections strategies. This role is for a professional who can design end-to-end lending lifecycle strategies, from underwriting to recovery, ensuring portfolio performance and sustainability.

Core Responsibilities

• Develop and implement risk-based lending strategies across multiple products
• Design collections frameworks, including early intervention and recovery processes
• Analyze portfolio performance to optimize risk-return dynamics
• Build predictive models for delinquency and default management
• Collaborate with product teams to enhance credit decisioning systems
• Monitor KPIs such as NPL ratios, recovery rates, and portfolio growth
• Ensure compliance with lending regulations and consumer protection standards

Technical Stack

• Analytics: Python, SQL, data visualization tools
• Models: Credit scoring, risk segmentation
• Platforms: Lending management systems
• Data: Large-scale financial and behavioral datasets
• Infrastructure: Cloud-based analytics environments

Required Qualifications

• Degree in Finance, Economics, or Data Science
• 9+ years in lending, risk management, or fintech
• Strong understanding of credit risk and collections strategies
• Experience with digital lending platforms
• Ability to translate data into actionable portfolio strategies

Preferred Skills

• Experience with AI-driven risk models
• Knowledge of alternative data credit scoring
• Familiarity with regulatory frameworks for lending
• Strong analytical and decision-making capabilities

Strategic Importance

You will ensure lending platforms achieve sustainable growth while maintaining disciplined risk management.

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