Credit Risk Expert

About this opportunity

Credit Risk & Policy Management : Develop, review, and implement credit risk policies aligned with regulations and market best practices. Underwriting & Decisioning : Oversee end-to-end underwriting, guide complex cases, and enhance decisioning through analytics. Product & Portfolio Management : Partner with Product, Sales, and Business teams to optimize Credit Card offerings while managing risk. Analytics & Reporting : Leverage data to monitor portfolio health, delinquency, and profitability, presenting actionable insights. Cross-Functional Collaboration : Work closely with Sales, Operations, Compliance, Finance, and Technology to ensure seamless execution. SIMAH & Regulatory Compliance : Ensure adherence to SIMAH requirements and act as a subject matter expert on Saudi credit bureau data. Leadership : Mentor and develop risk and product teams, fostering a performance-driven, risk-aware culture. ✅ 12–15 years of experience in Credit Risk within Consumer Lending (Credit Cards focus). ✅ Minimum 5 years of hands-on experience in the Saudi Credit Cards market. ✅ Proven expertise in Credit Policy, Product Management, Underwriting, and Risk Analytics. ✅ Strong knowledge of SIMAH products, reports, and processes. ✅ Demonstrated leadership and stakeholder management skills. ✅ Results-driven, adaptable, and agile in dynamic environments. Key Points needed Credit & Debit Card Portfolio Analytics Marketing & Campaign Analytics Banking Tech Stack (Python, SAS, SQL) Statistical Modeling & Machine Learning Stakeholder Consulting & Communication