Head of Risk (Fintech)

This is a regulated Head of Risk role in a licensed financial services environment operating under the Saudi Central Bank framework.

The Risk Management Framework is already in place.

What is required now is not a builder from scratch but a disciplined, credible risk leader who can strengthen, refine, and defend it.

The Role

You will take ownership of the existing Enterprise Risk Management structure in Saudi Arabia and elevate its effectiveness.

This is a hands-on individual contributor role.

You will work closely with senior management, compliance, business, and technology teams to ensure the organization remains regulator-ready at all times.

You will:

• Maintain and enhance the existing Risk Management Framework
• Own and continuously improve the Risk Register
• Refine and monitor the Risk Appetite Statement and KRIs
• Oversee operational, technology, and third-party risks
• Conduct risk assessments for new initiatives and product changes
• Prepare structured, defensible risk reports for senior management
• Support regulatory engagement with SAMA
• Ensure risk governance remains practical, proportionate, and effective

The expectation is clarity, structure, and regulatory confidence not bureaucracy.

What We're Looking For

• 58 years of risk management experience within a SAMA-regulated financial services environment (fintech, payments, digital banking, or lending preferred)
• Direct exposure to SAMA regulatory requirements and inspections
• Practical ownership of Risk Appetite frameworks and Risk Registers
• Strong operational risk experience (beyond pure credit or market risk)
• Experience managing third-party / outsourcing risk
• Confidence presenting risk matters to senior management
• Fluent English
• Saudi national