Credit Risk Assessment Consultant – Auto Financing

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)

Overview

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

Nice-to-Have Skills

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