Credit and Risk Manager – Saudi National

About the role

We are looking for an experienced Credit and Risk Manager to lead the credit function of a finance company in Saudi Arabia. The role will ensure credit decisions are sound, compliant with regulatory requirements, and aligned with the company’s business objectives.

Key responsibilities

• Lead and manage the credit assessment and approval process for financing applications.
• Evaluate customer creditworthiness using financial analysis, risk models, and credit reports.
• Develop, implement, and maintain credit policies, procedures, and approval frameworks.
• Monitor the credit portfolio, identify potential risks and early‑warning signals.
• Ensure compliance with internal controls and Saudi regulatory requirements (SAMA, CMA).
• Collaborate with Risk, Finance, Operations, and Sales teams to align credit decisions with business goals.
• Review and approve credit limits, terms, and conditions within delegated authority.
• Oversee credit documentation for accuracy and completeness.
• Support collections and recovery teams with credit insights and risk analysis.
• Prepare credit reports and portfolio performance analysis for senior management.

Required profile

• Bachelor’s degree in Finance, Accounting, Economics or related field (Master’s a plus).
• Minimum 5 + years of experience in credit management or a similar role within a finance or lending company.
• Hands‑on experience dealing with Saudi regulatory authorities (SAMA, CMA).
• Based in Saudi Arabia.
• Strong analytical, decision‑making and stakeholder‑management abilities.
• Professional communication skills in English and Arabic.

Required skills

• Credit risk assessment
• Credit reports
• Financial analysis
• Credit policies
• Risk models
• Credit systems
• Portfolio management
• Microsoft Office
• Excel