63 Credit Underwriter jobs in Saudi Arabia

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

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

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

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

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

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

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

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

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