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Credit Risk Assessment Consultant – Auto Financing

Credit Risk Assessment Consultant – Auto Financing

SoumWorkFromHome, Al-Qassim Province, Saudi Arabia
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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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    Credit Risk Assessment Consultant Auto Financing • WorkFromHome, Al-Qassim Province, Saudi Arabia