Credit Risk Manager

Credit Line is an innovative micro-lending company dedicated to transforming access to credit by leveraging cutting-edge artificial intelligence (AI) and machine learning (ML). Our mission is to bridge the gap in financial inclusion by serving individuals employed in the private sector and others traditionally underserved by conventional banking institutions. At Credit Line, we believe every borrower is unique. Our AI-driven platform analyzes comprehensive behavioral data beyond traditional financial metrics, enabling us to deliver personalized credit solutions tailored specifically to each customer’s financial circumstances and risk profile.

This technology-driven approach allows us to assess risk more fairly and accurately, ensuring individuals receive the credit they deserve at terms aligned precisely with their needs. By combining advanced data science with a deep understanding of market gaps, Credit Line empowers people to unlock their financial potential, fostering greater economic opportunity and financial resilience for everyone.

The Credit Risk Manager owns Credit Line’s credit risk process and strategy for consumer financing and serves as the company’s subject‑matter expert on retail credit risk. The role is responsible for reviewing credit applications from a credit risk perspective including repayment history, creditworthiness, and behavioral indicators leading and supporting the team of credit analysts to ensure consistent, high-quality decision-making, and representing Credit Line on credit risk matters in front of investors, creditors, regulators, and other third parties.

The manager also prepares board- and executive-level reports covering portfolio performance, origination quality, and credit risk indicators to support sound decision-making across the organization.

• Own the end-to-end credit risk process and strategy for Credit Line’s consumer financing business, and act as the company’s subject‑matter expert on retail credit risk.
• Design, implement, and continuously enhance credit risk policies, procedures, and limits governing the issuance, monitoring, and recovery of credit across consumer financing products.
• Develop and maintain the credit risk appetite framework for the retail portfolio, including portfolio limits, concentration thresholds, exception protocols, and approval authority matrices.
• Review credit applications from a credit risk perspective including repayment history, creditworthiness, debt burden, and behavioral indicators providing the final risk decision.
• Lead, coach, and support the team of credit analysts, setting standards for credit assessments, ensuring consistent application of credit policy, and developing the team’s technical capabilities.
• Represent Credit Line on credit risk matters in front of investors, creditors, rating agencies, regulators, auditors, and other third parties, providing clear and credible articulation of the company’s credit risk posture.
• Prepare board-level and executive-level reports covering portfolio performance, origination quality, vintage trends, delinquency and roll rates, concentration shifts, and early‑warning indicators of credit deterioration.
• Provide the credit risk department’s scope, data, and inputs to the CFO to support the Expected Credit Loss (ECL) and IFRS 9 provisioning process owned by Finance.
• Drive enhancements to the credit risk engine, scoring methodologies, and decisioning logic to maintain a best-practice consumer financing approach aligned with the retail customer base.
• Collaborate with product, operations, technology, and collections teams to ensure credit strategies align with business goals and to streamline the end-to-end consumer credit decisioning process.
• Lead initiatives to enhance the efficiency and automation of credit risk evaluation using advanced analytics, AI, and data-driven insights.
• Ensure compliance with SAMA’s Consumer Finance Regulations, Responsible Lending Principles, and other applicable credit-related guidelines and reporting requirements.
• Foster a strong credit risk culture across the organization through training, awareness sessions, and ongoing engagement with business stakeholders.
• Support different teams with the existing counter fraud and AML efforts.