Head of Credit Operations

Responsibilities

• Coordinate and monitor the end-to-end digital credit process, including documentation verification, eligibility criteria validation, and application completeness.
• Prepare, review, and maintain digital disbursal packages, ensuring all pre-conditions are met before release of funds.
• Ensure all customer documents are validated, digitized, and securely stored in accordance with data and regulatory standards.
• Support the credit underwriting process by coordinating documentation flows, finance-to-property value verification, and finance file completeness.
• Liaise with certified real estate evaluation agencies, manage appraisal requests, track submissions, and ensure quality and timeliness of property reports.
• Own and maintain relationships with valuation agencies, including onboarding, performance tracking, SLA compliance, and issue resolution.
• Collaborate with underwriting, legal, and finance teams to streamline finance operations workflows and enhance platform efficiency.
• Conduct post-disbursal activities, such as disbursal-trench management, condition tracking, documentation follow-up, and system updates.
• Assist in audit preparation, compliance checks, and reporting for regulatory and internal control purposes.
• Contribute to process documentation, automation initiatives, and operational risk mitigation efforts.
• Maintain accurate, up-to-date records in the finance management system throughout the credit lifecycle.
• Ensure end-to-end compliance with internal credit policies and external regulatory guidelines (e.g., KYC, AML, mortgage-specific regulations).
• Respond to internal and external queries regarding finance status, documentation, and process timelines.

• Bachelor’s degree in Finance, Business, Accounting, or related field.
• 5 years of experience in credit administration, finance operations, in mortgage products (Ready-to-move, Off-plan, Self-Construct) on Murabha/Ijarah basis in a fintech/bank.
• Full knowledge & understanding of the home-financing market dynamics in KSA; i.e. pricing, process, requirements, regulatory and legal frameworks…etc.
• Solid understanding of digital finance origination systems, credit workflows, and document validation processes.
• Experience coordinating real-estate valuation processes and vendor relationships.
• Highly organized and detail-oriented, with the ability to manage multiple cases and deadlines simultaneously.
• Excellent interpersonal and written communication skills to manage both internal stakeholders and third-party agencies.