Credit Risk Control Manager

Responsibilities

• Formulate and implement credit evaluation standards for agents and end customers to ensure controllable sales risks.
• Review the credit qualifications of agents and customers, including financial capabilities, historical transaction records, industry reputation, etc
• Monitor the credit status of agents and customers, update credit ratings regularly, and adjust credit limits dynamically. Provide credit policy support to the agent sales team to ensure a balance between sales targets and risk control.
• Design flexible credit sales schemes such as installment payment and financial leasing to promote sales growth. Participate in risk assessment of major sales projects and provide decision-making suggestions.
• Establish an early warning mechanism to identify potential overdue risks and formulate response measures.
• Analyze the causes of overdue payments, optimize the risk control process, and improve the collection rate.
• Lead or guide the collection team to handle defaulting customers, formulate and implement differentiated collection strategies (phone calls, letters, on-site visits, legal actions).
• Manage the process of using equipment such as excavators as collateral, including collateral registration, insurance requirements, regular evaluation, and value monitoring.
• When customers default, lead or coordinate the recovery, valuation, and disposal process of collateral equipment to maximize the recovery rate.
• Ensure that credit policies comply with local Saudi financial regulations and the company's compliance requirements.
• Formulate the agent credit management manual and train the sales team and agents regularly.
• Analyze sales credit data regularly, evaluate the effectiveness of risk control policies, and put forward optimization suggestions.
• Report the credit risk status to the management to provide decision-making support.

• More than 5 years of B2B credit risk control experience, experience in the construction machinery, automotive, or heavy industry fields is preferred.
• Proficient in financial statement analysis, credit evaluation models, and risk management tools.
• Understand local Saudi commercial laws, financial regulatory requirements, and international risk control standards.
• Able to balance risk control and business growth, and formulate credit policies that promote sales.
• Good at negotiating credit terms with agents, customers, and financial institutions.
• Proficient in using Excel, SAP, or professional risk control software for risk assessment.

• Fluent in English (required), Arabic is a plus.
• Bachelor's degree or above in finance, economics, business administration, or related majors; holding credit management certification (such as CRCM) is preferred.