Job Overview
Senior Manager – Credit Risk Analytics (Lending Strategy & Portfolio Optimization)
Location: Riyadh, Saudi Arabia
Employment Type: Full-Time
Industry: Fintech | Credit Risk | Lending | Financial Analytics | Portfolio Management
Role Overview
A high-growth fintech platform in Riyadh is seeking a data-driven Senior Manager – Credit Risk Analytics, Lending Strategy & Portfolio Optimization to lead the development of advanced credit risk models and lending strategies across consumer and SME financial products.
This role is central to ensuring that lending operations are both growth-oriented and risk-controlled. You will design intelligent credit frameworks that balance customer accessibility with portfolio quality—leveraging data analytics, behavioral modeling, and predictive risk assessment.
You will be responsible for optimizing the full credit lifecycle—from underwriting and approval to monitoring, collections, and recovery—while ensuring compliance with Saudi regulatory standards and financial conduct expectations.
Core Responsibilities
- Develop and implement credit risk models for consumer, SME, and merchant lending products
- Analyze borrower behavior, transaction data, and financial indicators to assess creditworthiness
- Design risk-based pricing strategies and lending policies
- Monitor portfolio performance, including delinquency rates, default trends, and recovery metrics
- Optimize underwriting processes using data-driven insights and automation
- Collaborate with product teams to design scalable lending solutions
- Ensure compliance with Saudi regulatory frameworks and customer protection standards
- Conduct stress testing and scenario analysis to evaluate portfolio resilience
- Build dashboards and reporting tools for real-time credit risk monitoring
- Support collections strategy and recovery optimization
- Work closely with data scientists and engineers to enhance risk analytics platforms
- Provide strategic recommendations to senior leadership on portfolio growth and risk mitigation
Required Candidate Profile
- Degree in Finance, Economics, Data Science, or related field
- 7+ years of experience in credit risk management, lending, or financial analytics
- Strong expertise in statistical modeling, data analysis, and risk assessment
- Experience with credit scoring systems and lending platforms
- Proficiency in analytical tools such as Python, SQL, or similar
- Strong understanding of Saudi fintech regulatory environment
- Excellent problem-solving and decision-making skills
- Strong communication and stakeholder management capabilities
Preferred Skills
- Experience with AI/ML models for credit scoring
- Knowledge of alternative data sources and behavioral analytics
- Exposure to SME lending and merchant financing
- Familiarity with real-time risk monitoring systems
Compensation & Benefits
- Competitive leadership salary
- Performance-based incentives
- Housing and relocation support
- Healthcare and family benefits
- Annual travel allowance
- Career progression into senior risk leadership roles
- Participation in major fintech innovation programs
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