Credit Risk Expert

• 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