Location: On-site – Saudi Arabia

Industry: Financial Services

Job Summary

We are seeking an experienced Credit and Risk Manager to lead and oversee the credit function

within a finance company in Saudi Arabia. The role is responsible for managing credit risk, evaluating

financing applications, setting credit policies, and ensuring sound credit decisions that align with the

Key Responsibilities

company's risk guidelines and regulatory requirements.

Lead and manage the credit assessment and approval process for financing applications.
Evaluate customer credit worthiness using financial analysis, risk models, and credit reports.
Develop, implement, and maintain credit policies, procedures, and approval frameworks.
Monitor the quality of the credit portfolio and identify potential risks and early warning

signals.

Ensure compliance with internal credit controls and Saudi regulatory requirements.
Work closely with Risk, Finance, Operations, and Sales teams to align credit decisions with

business objectives.

Review and approve credit limits, terms, and conditions within delegated authority.
Oversee credit documentation and ensure accuracy and completeness.
Support collections and recovery teams by providing credit insights and risk analysis.
Prepare credit reports and portfolio performance analysis for senior management.

Qualifications & Experience

Bachelor's degree in Finance, Accounting, Economics, or a related field (Master's is a plus).
Minimum of 5+ years of experience in credit management or a similar role within a finance

or lending company.

Hands-on experience dealing with regulatory authorities in Saudi Arabia (SAMA, CMA).
Must be based in Saudi Arabia.
Strong experience in credit risk assessment and portfolio management.
Solid understanding of financing products and credit structures.
Experience working within the Saudi market.
Proficiency in Microsoft Office, especially Excel; experience with credit systems.

Key Skills & Competencies

Strong analytical and decision-making skills.
Excellent leadership and stakeholder management abilities.
High attention to detail and risk awareness.
Ability to work under pressure and manage competing priorities.
Professional communication skills in English and Arabic.

Credit and Risk Manager - Saudi National