Credit Risk Assessment Consultant – Auto Financing

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Role Name :

Credit Risk Assessment Consultant – Auto Financing

Location :

Saudi Arabia (Remote)

Work Week : Sunday – Thursday

Working Hours :

9 : 00 AM – 6 : 00 PM (Saudi Arabia Standard Time)

Role Summary We are seeking a consultant to advise on the development of our auto-financing risk assessment logic, with a focus on affordability, creditworthiness, and data-driven decision-making.

Role & Responsibilities

At least 7 years of experience in risk management, with a strong preference for backgrounds in consumer lending or auto-financing

Advise on DBR calculation, income / obligation evaluation, and risk tiers

Review and refine credit approval frameworks

Provide market and regulatory insight to guide model assumptions

Validate proposed policies against market data and SAMA expectations

Design customer segmentation logic based on risk and affordability profiles to guide product eligibility criteria

Collaborate with data and engineering teams to translate risk logic into actionable rule engines and scoring models

Define and monitor key credit KPIs, such as approval rate, default risk, early delinquency, and portfolio performance

Support stress testing scenarios to assess the resilience of credit models under macroeconomic shifts

Review third-party data sources (e.g., Open Banking, SIMAH, employer databases) for integration into credit decision-making

Ensure credit policies comply with evolving SAMA regulatory frameworks and align with Sandbox expectations

Requirements

Credit Risk Analysis :

Experience with consumer credit evaluation, ideally in auto-financing or personal loans; Understanding of DSR (Debt Service Ratio), loan-to-value, credit scoring models, and affordability checks; Ability to design or review credit policies for used cars, salaried vs. self-employed, etc.

Familiarity with SAMA Regulations :

Working knowledge of SAMA’s financing regulations, including Fair Credit Terms, KYC, AML, and consumer protection; Understanding how credit decisions must align with regulatory compliance in KSA.

Data & Tech Fluency :

Comfort working with credit data inputs from SIMAH / Bayan Credit Bureau, Open Banking APIs (e.g., income and obligation analysis); Ability to work with or define eligibility models, and help refine your risk engine logic; Familiarity with basic Excel modeling and tools like Power BI / Looker / Metabase for analyzing credit outcomes.

Process & Workflow Design :

Experience designing or reviewing credit approval workflows (manual or automated); Ability to define stages such as pre-screening → document check → scoring → final offer.

Stakeholder Alignment :

Able to collaborate with tech, ops, and compliance teams to ensure credit logic is embedded in product design; Experience working with LOS (Loan Origination Systems) or CRM systems is a plus.

Nice-to-Have Skills

Prior work at a BNPL, auto-leasing, or consumer finance company

Help with pilot program design to test risk logic in-market

Familiarity with machine learning basics to support collaboration with data teams on smarter credit models

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