80 Banking Risk jobs in Saudi Arabia

Credit Risk ManagerRole Summary

Lead and establish the credit risk function at
DaftarPay (BNPL/Fintech)
, covering frameworks and policies, credit decisioning models, end-to-end credit lifecycle (origination to collections), and regulatory alignment with the Saudi Central Bank (SAMA) and related frameworks (e.g., CRFR, AML/CFT, data privacy, cybersecurity).

Key Responsibilities

Strategy & Governance

• Build the Enterprise Risk Management (ERM) and
  Credit Risk Policy
  , including Risk Appetite and limits.
• Set up the internal
  Risk & Credit Committee
  , escalation paths, exception management, and meeting minutes.
• Align policies with
  SAMA
  requirements and BNPL/consumer credit best practices.

Origination & Pricing

• Develop
  creditworthiness models
  (rule-based & scorecards) for customers/counterparties (PD/LGD/EAD where applicable).
• Design
  underwriting standards
  , credit limits, and pricing/fees aligned with risk appetite and return targets.
• Embed
  KYC/eKYC, AML/CFT, and sanctions
  controls in automated underwriting flows.

Portfolio Monitoring & Early Warning

• Build dashboards for portfolio quality (NPL, PAR, roll rates, vintage curves).
• Define
  Early Warning Indicators (EWI)
  and corrective actions; manage restructurings where needed.
• Review thresholds regularly; issue
  monthly and quarterly
  reports to management/boards.

Collections & Delinquency Management

• Define
  collections strategy
  (amicable/legal) segmented by risk and customer cohorts.
• Oversee third-party collectors (if any), SLAs, and performance KPIs.
• Coordinate
  loss provisioning
  (e.g., IFRS 9) with Finance.

Controls & Compliance

• Ensure adherence to
  CRFR
  and cybersecurity controls from a credit-risk/data-risk perspective.
• Coordinate with
  Compliance & AML
  on periodic assessments and regulatory reporting.
• Lead
  model validation
  , back-testing, and continuous improvement.

Data & Systems

• Specify
  data requirements
  (credit bureaus, data providers, LOS/LMS/CMS inputs).
• Co-design LOS/LMS/CMS workflows, decision rules, and automation.
• Drive
  data quality
  and governance across the credit lifecycle.

Leadership & Team Building

• Establish the credit risk team (underwriting, portfolio analytics, collections analytics, model management).
• Own the
  Saudization succession plan
  : structured knowledge transfer and capability building to place a qualified Saudi in the role within the approved timeline.

Qualifications

• Bachelor's in Finance/Economics/Statistics/Math/Engineering; Master's or certifications (FRM/PRM/CFA) preferred.
• 7–12 years
  in credit risk/underwriting/collections analytics; BNPL or consumer credit startup build-outs preferred.
• Strong grasp of
  PD/LGD/EAD, vintage analysis, IFRS 9/ECL
  , and portfolio quality metrics.
• Working knowledge of
  SAMA
  frameworks (governance, CRFR, AML/CFT, consumer protection).
• Proficiency in Excel/SQL; plus for
  analytics/modelling
  (Python/R) and BI tools.
• Proven leadership, cross-functional influence, and data-driven decision making.

KPIs

• Portfolio quality:
  NPL%, PAR30/60/90, roll rates, cure rate
  .
• Risk-adjusted returns:
  Risk-Adjusted Margin / ROA
  by segment.
• Underwriting effectiveness:
  Approval rate
  within risk appetite;
  Bad rate
  below thresholds.
• Collections:
  Recovery rate, Cost-to-Collect, DSO
  .
• Governance & compliance: audit/regulatory outcomes;
  on-time closure of findings
  .
• Capability building: execution of the
  Saudization succession plan
  and knowledge transfer milestones.

Reporting Lines

• Reports to:
  CEO / Risk Committee
  per approved governance.
• Supervises: Underwriting, Portfolio Analytics, Collections Analytics, and Model Management (as scaled).

Location & Employment

• Riyadh, Saudi Arabia
  — Full-time.
• Performance-linked incentives;
  ESOP
  where applicable.

Regulatory Notes

• This is a
  senior management role
  , not a committee membership.
• Saudi Nationals are preferred, appointment will proceed
  subject to SAMA non-objection
  .

How to Apply

Send your CV with relevant achievements to hr

using the subject:
Credit Risk Manager – Riyadh
.

Rize is a groundbreaking rent-now-pay-later platform reshaping the rental landscape in Saudi Arabia. We're dedicated to making rentals more accessible and affordable, enabling tenants to manage their finances with ease and landlords to secure their income effortlessly. We're on a mission to revolutionize the rental industry, breaking down barriers and creating opportunities for all. We're a team of innovators, thinkers, and problem-solvers, committed to creating a positive impact and driving change in the market.

Our Team

We love working together, being creative, and doing things differently Our team is made up of over 20 people with different nationalities. We work from a cozy office in Riyadh, Saudi Arabia. And hey, we're not just smart—we're really good at coming up with new ideas Plus, you can work from wherever you want because we like to keep things flexible.

Our core values & Principles

• Innovation – We're a technology-driven team with the purpose of uplifting the real estate sector. We are the leaders of the industry in innovation.
• Customer Centricity – We put the customer at the core of every decision and action.
• Adaptability - Being able to adapt quickly to changing market conditions and customer needs.
• Empowerment & Collaboration – Our team is the most valuable aspect of the company; We respect all ideas, our team enjoys authority, autonomy, and collaboration.
• Ethical Excellence - We perform within the highest ethical standard.

Job Summary

We are looking for a Credit Underwriter to manage tenant and landlord contracts from start to finish. This role ensures that all leasing agreements meet legal standards and Rize's internal credit policies.

What will you be doing?

• Prepare, review, and finalize tenant contracts and landlord contracts.
• Ensure accuracy and compliance with Saudi leasing regulations.
• Be able to make contracts on Ejari platform submissions and resolve any related issues.
• Coordinate with Legal, Risk, and Credit teams to maintain complete, error-free records.
• Monitor contract turnaround times and escalate delays when needed.

You're a perfect match if you have

• 1+ years of related experience.
• Experience in legal real estate operations and strong knowledge of leasing practices.
• Hands-on experience using the Ejari platform is highly preferred.
• Excellent attention to detail with strong organizational skills.
• Ability to work accurately under pressure and tight deadlines.

What do we offer?

• Competitive salary - Receive a competitive salary package in USD or SAR, reflecting your skills and contributions in our industry.
• Diverse International team - Join a diverse international team where different perspectives and backgrounds enrich our collaborative culture.
• Flexibility - Enjoy the option to work full remote or hybrid, allowing you to balance work and life in a way that suits you best.
• Innovation - Shape the future of Proptech with your groundbreaking ideas and technological prowess.
• Direct Impact - See your ideas come to life and make tangible changes in an industry ripe for revolution.
• Fast-paced Learning - Grow personally and professionally every day with opportunities to master new skills in our dynamic start-up environment.
• Creative Freedom - Take the reins, innovate, and push boundaries with the freedom to experiment, learn, and grow at Rize.
• Close-knit Community - Join a collaborative, supportive team where your voice matters and your contributions are recognized and celebrated.

Rize
is a groundbreaking rent-now-pay-later platform reshaping the rental landscape in Saudi Arabia. We're dedicated to making rentals more accessible and affordable, enabling tenants to manage their finances with ease and landlords to secure their income effortlessly. We're on a mission to revolutionize the rental industry, breaking down barriers and creating opportunities for all. We're a team of innovators, thinkers, and problem-solvers, committed to creating a positive impact and driving change in the market.

Our Team
We love working together, being creative, and doing things differently Our team is made up of over 20 people with different nationalities. We work from a cozy office in Riyadh, Saudi Arabia. And hey, we're not just smart—we're really good at coming up with new ideas Plus, you can work from wherever you want because we like to keep things flexible.

Our core values & Principles

• Innovation – We're a technology-driven team with the purpose of uplifting the real estate sector. We are the leaders of the industry in innovation.
• Customer Centricity – We put the customer at the core of every decision and action.
• Adaptability - Being able to adapt quickly to changing market conditions and customer needs.
• Empowerment & Collaboration – Our team is the most valuable aspect of the company; We respect all ideas, our team enjoys authority, autonomy, and collaboration.
• Ethical Excellence - We perform within the highest ethical standard.

Job Summary
We are looking for a Credit Underwriter to manage tenant and landlord contracts from start to finish. This role ensures that all leasing agreements meet legal standards and Rize's internal credit policies.

What will you be doing?

• Prepare, review, and finalize tenant contracts and landlord contracts.
• Ensure accuracy and compliance with Saudi leasing regulations.
• Be able to make contracts on Ejari platform submissions and resolve any related issues.
• Coordinate with Legal, Risk, and Credit teams to maintain complete, error-free records.
• Monitor contract turnaround times and escalate delays when needed.

You're a perfect match if you have

• 1+ years of related experience.
• Experience in legal real estate operations and strong knowledge of leasing practices.
• Hands-on experience using the Ejari platform is highly preferred.
• Excellent attention to detail with strong organizational skills.
• Ability to work accurately under pressure and tight deadlines.

Benefits
What do we offer?

• Competitive salary - Receive a competitive salary package in USD or SAR, reflecting your skills and contributions in our industry.
• Diverse International team - Join a diverse international team where different perspectives and backgrounds enrich our collaborative culture.
• Flexibility - Enjoy the option to work full remote or hybrid, allowing you to balance work and life in a way that suits you best.
• Innovation - Shape the future of Proptech with your groundbreaking ideas and technological prowess.
• Direct Impact - See your ideas come to life and make tangible changes in an industry ripe for revolution.
• Fast-paced Learning - Grow personally and professionally every day with opportunities to master new skills in our dynamic start-up environment.
• Creative Freedom - Take the reins, innovate, and push boundaries with the freedom to experiment, learn, and grow at Rize.
• Close-knit Community - Join a collaborative, supportive team where your voice matters and your contributions are recognized and celebrated.

About Us:

At Lendo, we are a fast-growing FinTech company on a mission to revolutionize the financial landscape in Saudi Arabia. Through our innovative digital lending platform, we empower SMEs by providing fast, secure, and transparent access to capital-fueling growth and supporting Vision 2030.

As we continue to grow at Lendo, we're looking for a Credit Risk Manager to strengthen the integrity of our lending process and ensure sound credit decisions. In this key role, you'll evaluate client creditworthiness, assess risk across portfolios, and drive strategies to approve or reject loan requests with confidence and consistency.

Key Responsibilities:

• Assess the creditworthiness of potential borrowers through financial analysis, risk scoring, and due diligence.
• Recommend credit approvals or rejections to the Credit Committee with well-supported justifications.
• Ensure all credit activities and loan decisions comply with internal policies, regulatory guidelines, and Shariah principles.
• Monitor the health of the loan portfolio, identifying risk trends and proposing mitigation strategies.
• Generate reports and insights related to borrower performance, loan exposures, and credit portfolio quality.
• Support the broader Credit & Risk function with tasks related to loan origination, portfolio tracking, and borrower management as required.

Qualifications:

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field.
• 4–5 years of experience in a similar credit or risk-related role, preferably within the lending or FinTech space.
• Solid understanding of Invoice Financing products and how they function in a commercial lending context.
• Strong knowledge of KSA banking data and its application in credit assessment and decision-making.
• Familiarity with the KSA lending environment, including regulatory frameworks and market dynamics.

General Requirements:

• Excellent communication skills - fluent in Arabic & English is a must.
• Strong analytical mindset with the ability to interpret complex financial data.
• Detail-oriented and highly organized in a fast-paced environment.
• Strong interpersonal skills and the ability to collaborate across teams.
• Comfortable working under pressure and managing multiple priorities simultaneously.

Arthur Lawrence is urgently looking for a Senior Specialist - Credit Risk for a client in Riyadh, KSA. Kindly review the job requirements below. Your immediate application will enable us to place you successfully.

• Minimum of 10 years of experience in credit risk management within a banking industry
• Proficient in using DBMS software , BI tools , and SAS Enterprise for risk analysis & reporting
• Experience in managing large credit portfolios and mitigating risks associated with complex projects
• Strong understanding of regulatory frameworks & compliance requirements, risk assessment, and credit evaluation

• Bachelor’s degree in Finance, Accounting, Economics, or a related field

Arthur Lawrence is a management and technology consulting firm providing enterprise-wide business transformation and business applications implementation services. Our in-depth technical knowledge and broad experience of working with world-class companies enable organizations to leverage our capabilities in developing winning strategies and cost-effective solutions.

We are an UN Women Empowerment Principal Signatory and are certified from National Minority Supplier Development Council.

• Winner of Entrepreneur 360 Award (2019).
• IAOP Award; Ranked in top 100 internationally.
• Arthur Lawrence ranked within the Inc 5000 twice in 2016 and 2017 as one of the fastest-growing companies in America.
• Named one of the top ten fastest growing businesses in Houston in 2016.
• Ranked 25th in the HBJ's Fast 100 Private Companies Award in 2017.

We rely on the seven core values that we believe enable us to deliver quality for our consultants and clients: Education, Integrity, Value Creation, Collaboration, Best Client, Best People, and Stewardship.

Through strict adherence to these core values, we have achieved success beyond all documented forecasts and expectations.

Large bank in Saudi is looking for Credit risk BA for murex greenfield implementation. We require MLC Credit Risk BA to help implement the changes and projects as required by Risk team.

• Good Understanding of Murex Limits Controller configurations to handle the Corporate risk assessment and monitoring of transactions.

• Good Understanding of MXML module configurations to enhance or build the workflows as per business requirements or bug fixes.

• Good understanding of the Datamart module configurations to enhance the reports and to guide the downstream system to build the reports on their system on the basis the business data present MLC.

Perform business analysis, enhancements and changes to the Global credit Risk solutions, which include implementation

Participate actively in discussions with business, understand their needs and transform them into change or project initiatives

Develop and refine the various business/functional/testing requirements in support of the project and systems involved, working alongside the vendor where required

• candidate will be part of Credit risk team

Work with different IT teams across infrastructure, and other divisions to deliver system solutions for the business.

Build a strong relationship and manage expectations with users and stake holders

An independent worker with multi-tasking capabilities.

Participate actively in discussions with business, understand their needs and transform them into change or project initiatives.

Develop and refine the various business/functional/testing requirements in support of the project and systems involved, working alongside the vendor where required.

Must have

8 to 10 years of experience in Murex.

minimum of 5 years of experience in Credit Risk in MLC

MLC development skills

MxML experience

unix scripting

components experiences like VAR,PSR,CVA,SIMM,FRTB

• SQL.

Nice to have

Good communication

Languages

English: A1 Beginner

Seniority

Senior

Riyadh, Saudi Arabia

Req. VR-

Murex ERM

BCM Industry

12/09/2025

Req. VR-

Job Opening Date: (OCTOBER 8, 2025)

Job Closing Date: (OCTOBER 18, 2025)

About The Professionals:

Established in 2015 in Riyadh, Saudi Arabia, The Professionals has emerged as a leading management consulting firm in the region. Over the years, we have cultivated success by providing distinctive consulting services to partners across various industries. Our approach involves integrating global best practices with a deep understanding of local dynamics to meet our partners' business needs

Job Purpose

One of our clients is seeking an experienced Credit Risk Manager to develop and implement effective credit risk assessment and management strategies. The role is critical in supporting sustainable business growth while minimizing financial exposure. Responsibilities include evaluating the creditworthiness of agents and end customers, setting appropriate credit limits, and ensuring full compliance with Saudi financial regulations. The Credit Risk Manager will also collaborate with internal teams, banks, and insurance providers to maintain a balance between enabling sales and mitigating risk.

Key Responsibilities

Develop and implement credit evaluation standards for agents and end customers to ensure sales risks are controlled.

Assess credit qualifications including financial strength, transaction history, and industry reputation.

Monitor and update credit ratings regularly; adjust credit limits as needed based on performance.

Ensure compliance with Saudi financial regulations and internal credit policies.

Create and maintain a credit management manual for agents; deliver regular training to internal teams and partners.

Collaborate with banks and insurance providers to enhance credit guarantee frameworks.

Qualifications & Skills

Bachelor's degree in Finance, Accounting, Economics, or a related field (Master's preferred).

5+ years of experience in credit risk management, preferably in a B2B or industrial sector.

In-depth knowledge of credit evaluation, collections, and regulatory compliance in Saudi Arabia.

Strong analytical and problem-solving capabilities.

Excellent communication and stakeholder management skills.

Fluent in English (required); Arabic is a plus.

Experience collaborating with legal and sales departments.

Proficiency in financial systems and credit reporting tools.

Holding a credit management certification (e.g., CRCM) is a strong advantage.

Please share your CV in English.

Summary

Large bank in Saudi is looking for Credit risk BA for Murex greenfield implementation. We require MLC Credit Risk BA to help implement the changes and projects as required by Risk team.

Responsibilities

• Handle the Corporate risk assessment and monitoring of transactions.
• Enhance or build the workflows as per business requirements or bug fixes.
• Enhance the reports and to guide the downstream system to build the reports on their system on the basis the business data present MLC.
• Perform business analysis, enhancements and changes to the Global Credit Risk solutions, which include implementation.
• Participate actively in discussions with business, understand their needs and transform them into change or project initiatives.
• Develop and refine the various business/functional/testing requirements in support of the project and systems involved, working alongside the vendor where required.
• Build a strong relationship and manage expectations with users and stake holders.

Requirements

• 8 to 10 years of experience in Murex
• 5+ years of experience in Credit Risk in MLC
• MLC development skills
• MxML experience
• unix scripting
• Components experiences like VAR, PSR, CVA, SIMM, FRTB
• SQL
• English: C1 Advanced.

Role Name: Credit Risk Assessment Consultant – Auto Financing

Location: Saudi Arabia (Remote)

Work Week: Sunday – Thursday

Working Hours: 9:00 AM – 6:00 PM (Saudi Arabia Standard Time)

Role Summary: We are seeking a consultant to advise on the development of our auto-financing risk assessment logic, with a focus on affordability, creditworthiness, and data-driven decision-making.

• At least 7 years of experience in risk management, with a strong preference for backgrounds in consumer lending or auto-financing.
• Advise on DBR calculation, income/obligation evaluation, and risk tiers.
• Review and refine credit approval frameworks.
• Provide market and regulatory insight to guide model assumptions.
• Validate proposed policies against market data and SAMA expectations.
• Design customer segmentation logic based on risk and affordability profiles to guide product eligibility criteria.
• Collaborate with data and engineering teams to translate risk logic into actionable rule engines and scoring models.
• Define and monitor key credit KPIs, such as approval rate, default risk, early delinquency, and portfolio performance.
• Support stress testing scenarios to assess the resilience of credit models under macroeconomic shifts.
• Review third-party data sources (e.g., Open Banking, SIMAH, employer databases) for integration into credit decision-making.
• Ensure credit policies comply with evolving SAMA regulatory frameworks and align with Sandbox expectations.

1. Credit Risk Analysis:
   • Experience with consumer credit evaluation , ideally in auto-financing or personal loans
   • Understanding of DSR (Debt Service Ratio) , loan-to-value , credit scoring models , and affordability checks
   • Ability to design or review credit policies for used cars, salaried vs. self-employed, etc.
2. Familiarity with SAMA Regulations:
   • Working knowledge of SAMA’s financing regulations , including Fair Credit Terms , KYC , AML , and consumer protection
   • Understanding how credit decisions must align with regulatory compliance in KSA
3. Data & Tech Fluency:
   • Comfort working with credit data inputs from:
   • SIMAH / Bayan Credit Bureau
   • Open Banking APIs (e.g., income and obligation analysis)
   • Can work with or define eligibility models , and help refine your risk engine logic
   • Familiarity with basic Excel modeling and tools like Power BI / Looker / Metabase for analyzing credit outcomes
4. Process & Workflow Design:
   • Experience designing or reviewing credit approval workflows (manual or automated)
   • Can define stages like: pre-screening → document check → scoring, → final offer
5. Stakeholder Alignment:
   • Able to collaborate with tech, ops, and compliance teams to ensure credit logic is embedded in product design
   • Experience working with LOS (Loan Origination Systems) or CRM systems is a plus

• Prior work at a BNPL, auto-leasing, or consumer finance company
• Can help with pilot program design to test risk logic in-market
• Familiarity with machine learning basics to support collaboration with data teams on smarter credit models