Risk and Credit Manager

Risk & Credit ManagerLocation: Riyadh, Saudi ArabiaEmployment Type: Full-TimeIndustry: Fintech / BNPLA fast-growing fintech startup in Riyadh is looking for an experienced Risk & Credit Manager to lead and strengthen its credit risk framework, underwriting strategy, and portfolio performance.The ideal candidate will have hands-on experience within fintech, Buy Now Pay Later (BNPL), digital lending, consumer finance, or a similar credit-driven environment, with a strong understanding of data-led credit decisioning and risk management.Key ResponsibilitiesDevelop, implement, and continuously enhance the company’s credit risk policies, underwriting criteria, and risk appetite framework.Manage the end-to-end credit risk lifecycle, including customer assessment, approval strategies, portfolio monitoring, and collections performance.Design and optimize credit decisioning rules, scorecards, limits, and approval thresholds.Monitor portfolio quality, delinquency trends, default rates, loss ratios, and other key credit risk indicators.Conduct regular portfolio analysis to identify emerging risks, customer behavior trends, and areas for optimization.Work closely with Product, Data, Technology, Finance, Operations, and Collections teams to improve risk decisioning and customer experience.Support the development and implementation of automated and data-driven underwriting models.Review credit performance across different customer segments, products, merchants, and acquisition channels.Establish early-warning indicators and recommend corrective actions to manage credit exposure.Develop management dashboards and provide regular reporting on portfolio performance and credit risk metrics.Support fraud-risk initiatives and collaborate with relevant teams to identify suspicious customer or transaction behavior.Ensure credit policies and processes remain aligned with applicable Saudi regulatory requirements and internal governance standards.Support new product launches by conducting risk assessments and defining appropriate credit controls.Manage and mentor members of the credit and risk team as the business scales.RequirementsBachelor’s degree in Finance, Economics, Business, Statistics, Risk Management, or a related field.5–7 years of relevant experience in credit risk, underwriting, lending, or portfolio risk management.Strong experience within Fintech, BNPL, digital lending, consumer finance, or financial services is required.Proven experience managing consumer or SME credit portfolios and developing credit policies.Strong understanding of credit scoring, underwriting models, delinquency management, portfolio analytics, and risk monitoring.Experience working with large datasets and using data to support credit decisions.Strong analytical and problem-solving capabilities.Familiarity with credit bureau data and alternative data sources is highly desirable.Good understanding of the Saudi financial services and fintech environment is an advantage.Strong stakeholder-management skills with the ability to work across Product, Technology, Finance, Operations, and senior leadership.Excellent communication and presentation skills.Preferred ProfileWe are looking for a commercially minded risk professional who can balance growth, customer experience, and credit quality. The successful candidate will be comfortable working in a fast-paced startup environment, building scalable risk frameworks, and using data to make informed credit decisions.