45 Risk Analysis jobs in Saudi Arabia

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.

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.

Description:

Aramco energizes the world economy.

Aramco occupies a special position in the global energy industry. We are one of the world’s largest producers of hydrocarbon energy and chemicals, with among the lowest Upstream carbon intensities of any major producer.

With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco’s value to society.

Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations’ spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom’s vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply.

We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization.

Job Purpose

We are seeking a Credit Risk Analyst to join the credit team in its Credit & Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks.

Your main responsibility will be to safeguard the company’s assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company’s credit risk policy and operating procedures.

You will be also required to collaborate with other areas such as Operations, Sales, LAW, Contracting, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role.

Key Responsibilities

As a successful candidate, you will perform the following:

• Conduct credit evaluations of counterparties (financial and non-financial institutions).
• Carry out financial qualification of service providers for new projects.
• Conduct in-depth analysis of financial statements and employ the company’s internal credit model to derive credit ratings.
• Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company’s risk methodologies and systems.
• Maintain approved credit limits and ratings in credit database.
• Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.
• Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.
• Review policies, procedures, and align risk policies across the Group.
• Assist in the consolidation and preparation of reports for management.
• Complete assigned ad-hoc tasks as directed.

Minimum Requirements

As a successful candidate, you will have:

• A Bachelor’s degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred.
• Professional certification such as FRM, ERP, CMA or CFA, are highly regarded.
• At least 10 years of relevant credit experience in energy, banking or financial risk management.
• Experience with implementation and application of credit risk models
• In-depth knowledge of qualitative and quantitative credit assessments
• Extensive experience analyzing financial statements
• Ability to meet tight deadlines to submit credit recommendations to management
• Advanced proficiency in Microsoft Excel including Excel models

Certificates

Title : Assoc of Chartered Certified Accountant (ACCA)
Req./Pref. : Preferred
Comments-Nature of Cert./License Relations :
A leading international body providing certification in accounting and r

Title : Certified Financial Analyst (CFA)
Req./Pref. : Preferred
Comments-Nature of Cert./License Relations :
Certification in the areas of investment analysis, portfolio management

Title : Certified Internal Auditor (CIA)
Req./Pref. : Preferred
Comments-Nature of Cert./License Relations :
Certification in the areas of internal audit and practice

Title : Certified Management Accountant (CMA)
Req./Pref. : Preferred
Comments-Nature of Cert./License Relations :
Certification in the areas of management accounting, budgeting, and deci

Title : Certified Public Accountant (CPA)
Req./Pref. : Preferred
Comments-Nature of Cert./License Relations :
Certification in the area of financial accounting and reporting

Title : Saudi Org of Certified Public Accountant (SOCPA)
Req./Pref. : Preferred
Comments-Nature of Cert./License Relations :
Certification in the areas of accounting and auditing standards

Working environment

Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly.

At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world’s biggest technical, logistical and environmental challenges, we invest heavily in talent development.

We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs – one of the largest in the world.

Job ID: 15588

Tagged as: Financial Risk Management Dept

Job Location: Riyadh, Saudi Arabia

Background

• 8 to 12 years of experience in bank model development or model validation
• Experience in responding to regulatory reviews and external/internal model validation and audits relating to credit risk models

Functional Expertise

• Credit risk model (credit loss forecasting including IFRS9, loan loss allowance)
• Experience in AI/ML modeling his highly desirable
• Managing of model validation teams
• Experience in regulatory reviews and communication with regulators and internal risk and audit committees.

Relevant Experience

The consultant will be collaborating with the model developers and owners to remediate and respond to findings per the Independent MRM group and internal model risk management policy

Engagements Summary

• Model documentations (model white paper and technical specification and data validations)
• Model risk assessment and model performance monitoring
• Model calibration and parameter estimation and other model enhancements
• Validation or experience in AI/ML models highly desirable

CreditRISK, IFRS9, loan loss allowance,modeldevelopment,model validation

The consultant will be collaborating with the model developers and owners to remediate and respond to findings per the Independent MRM group and internal model risk management policy

Engagements Summary

• Model documentations (model white paper and technical specification and data validations)
• Model risk assessment and model performance monitoring
• Model calibration and parameter estimation and other model enhancements

Validation or experience in AI/ML models highly desirable

Aramco occupies a unique position in the global energy industry. We are the world's largest producer of hydrocarbons (oil and gas), with the lowest upstream carbon intensity of any major producer.

With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco’s value to society.

Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations’ spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom’s vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply.

We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization.

We are seeking a Credit Risk Analyst to join the credit team in its Credit & Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks.

Your main responsibility will be to safeguard the company’s assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company’s credit risk policy and operating procedures.

You will also be required to collaborate with other areas such as Operations, Sales, LAW, Contracting, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role.

As a successful candidate, you will perform the following:

• Conduct credit evaluations of counterparties (financial and non-financial institutions).
• Carry out financial qualification of service providers for new projects.
• Conduct in-depth analysis of financial statements and employ the company’s internal credit model to derive credit ratings.
• Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company’s risk methodologies and systems.
• Maintain approved credit limits and ratings in credit database.
• Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.
• Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.
• Review policies, procedures, and align risk policies across the Group.
• Assist in the consolidation and preparation of reports for management.
• Complete assigned ad-hoc tasks as directed.

As a successful candidate, you will have:

• A Bachelor’s degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred.
• Professional certification such as FRM, ERP, CMA or CFA, are highly regarded.
• At least 10 years of relevant credit experience in energy, banking or financial risk management.
• Experience with implementation and application of credit risk models.
• In-depth knowledge of qualitative and quantitative credit assessments.
• Extensive experience analyzing financial statements.
• Ability to meet tight deadlines to submit credit recommendations to management.
• Advanced proficiency in Microsoft Excel including Excel models.

Title: Assoc of Chartered Certified Accountant (ACCA)
Req./Pref.: Preferred
Comments: A leading international body providing certification in accounting.

Title: Certified Financial Analyst (CFA)
Req./Pref.: Preferred
Comments: Certification in the areas of investment analysis, portfolio management.

Title: Certified Internal Auditor (CIA)
Req./Pref.: Preferred
Comments: Certification in the areas of internal audit and practice.

Title: Certified Management Accountant (CMA)
Req./Pref.: Preferred
Comments: Certification in the areas of management accounting, budgeting, and decision-making.

Title: Certified Public Accountant (CPA)
Req./Pref.: Preferred
Comments: Certification in the area of financial accounting and reporting.

Title: Saudi Org of Certified Public Accountant (SOCPA)
Req./Pref.: Preferred
Comments: Certification in the areas of accounting and auditing standards.

Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly.

At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world’s biggest technical, logistical and environmental challenges, we invest heavily in talent development.

We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs – one of the largest in the world.

Aramco occupies a unique position in the global energy industry. We are the world's largest producer of hydrocarbons (oil and gas), with the lowest upstream carbon intensity of any major producer.

With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco’s value to society.

Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations’ spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom’s vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply.

We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization.

We are seeking a Credit Risk Analyst to join the credit team in its Credit & Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks.

Your main responsibility will be to safeguard the company’s assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company’s credit risk policy and operating procedures.

You will also be required to collaborate with other areas such as Operations, Sales, LAW, Contracting, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role.

As a successful candidate, you will perform the following:

• Conduct credit evaluations of counterparties (financial and non-financial institutions).
• Carry out financial qualification of service providers for new projects.
• Conduct in-depth analysis of financial statements and employ the company’s internal credit model to derive credit ratings.
• Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company’s risk methodologies and systems.
• Maintain approved credit limits and ratings in credit database.
• Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.
• Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.
• Review policies, procedures, and align risk policies across the Group.
• Assist in the consolidation and preparation of reports for management.
• Complete assigned ad-hoc tasks as directed.

As a successful candidate, you will have:

• A Bachelor’s degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred.
• Professional certification such as FRM, ERP, CMA or CFA, are highly regarded.
• At least 10 years of relevant credit experience in energy, banking or financial risk management.
• Experience with implementation and application of credit risk models.
• In-depth knowledge of qualitative and quantitative credit assessments.
• Extensive experience analyzing financial statements.
• Ability to meet tight deadlines to submit credit recommendations to management.
• Advanced proficiency in Microsoft Excel including Excel models.

Title: Assoc of Chartered Certified Accountant (ACCA)
Req./Pref.: Preferred
Comments: A leading international body providing certification in accounting. Title: Certified Financial Analyst (CFA)
Req./Pref.: Preferred
Comments: Certification in the areas of investment analysis, portfolio management. Title: Certified Internal Auditor (CIA)
Req./Pref.: Preferred
Comments: Certification in the areas of internal audit and practice. Title: Certified Management Accountant (CMA)
Req./Pref.: Preferred
Comments: Certification in the areas of management accounting, budgeting, and decision-making. Title: Certified Public Accountant (CPA)
Req./Pref.: Preferred
Comments: Certification in the area of financial accounting and reporting. Title: Saudi Org of Certified Public Accountant (SOCPA)
Req./Pref.: Preferred
Comments: Certification in the areas of accounting and auditing standards. Working Environment

Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly.

At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world’s biggest technical, logistical and environmental challenges, we invest heavily in talent development.

We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs – one of the largest in the world.

At Aajil (formerly Buildnow), we're revolutionizing how construction SMEs trade through our BNPL solutions. As aJunior Credit Analyst (1-2 years) , you'll dive head-first into real-world challenges, gaining experience and insights at a pace unmatched by traditional organizations. If you're ready to give it your all, grow exponentially, and make a tangible impact, this is the opportunity for you.

What You'll Do

As a Junior Credit Analyst at Aajil, you'll be at the heart of our mission to enable growth for SMEs in the construction sector. Your responsibilities will include:
• Preparing risk reports with actionable insights that inform critical credit approval and rejection decisions.
• Collaborating with risk-management teams to ensure compliance with portfolio-diversification and risk-mitigation strategies.
• Monitoring repayment trends and using data-analytics tools to flag high-risk accounts proactively.
• Working closely with engineering teams to refine and improve risk-assessment processes and systems.

What We're Looking For Junior Credit Analyst - A-Players Only (1-2 years)
• 1-2 years of experience in credit-risk, lending, or accounting roles within financial institutions.
• Strong accounting knowledge and demonstrated ability to analyze financial documents quickly and accurately.
• Bachelor's degree in Finance, Economics, Accounting, or a related field with excellent academic performance.
• Proficiency in Excel (pivot tables, macros); familiarity with SQL for data querying is a plus.
• Sharp analytical mind with strong understanding of credit-risk principles and SME financial analysis.
• Exceptional attention to detail with analytical and reporting skills to support high-stakes decisions.
•Fluency in English and Arabic, with the ability to communicate effectively in both languages.

Why Aajil?
•Exponential Learning: Accelerate your career with hands-on experience, challenging problems, and mentorship from industry leaders.
•Real Impact: Your work will directly shape the credit policies and risk models powering growth for SMEs.
•Innovative Culture: We move fast, think big, and reward those who bring their best every day.
•All Builders, All In: Everyone at Aajil is a hands-on contributor. We celebrate wins, tackle challenges, and grow together.
•Relocation Support: We'll help you relocate to Saudi Arabia for the right candidate.

If you're ready to work harder, learn faster, and build something extraordinary, we want you on our team.

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.