Credit Risk Assessment Consultant – Auto Financing

Overview

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.

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.

Qualifications

Experience with consumer credit evaluation , ideally in auto-financing or personal loans

Working knowledge of SAMA’s financing regulations , including Fair Credit Terms , KYC , AML , and consumer protection

Comfort working with credit data inputs from :

Experience designing or reviewing credit approval workflows (manual or automated)

Able to collaborate with tech, ops, and compliance teams to ensure credit logic is embedded in product design

Nice-to-Have Skills

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