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Credit Risk Assessment Consultant - Auto Financing
SOUMJubail, Eastern Province, Saudi Arabia11 منذ أيام
الوصف الوظيفيCredit Risk Analysis : 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 : Understanding how credit decisions must align with regulatory compliance in KSA Data & Tech Fluency : SIMAH / Bayan Credit Bureau Open Banking APIs (e.g., income and obligation analysis) Can 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 : Can define stages like : pre-screening → document check → scoring, → final offer Stakeholder Alignment : Experience working with LOS (Loan Origination Systems) or CRM systems is a plus Prior work at a BNPL, auto-leasing, or consumer finance company Can 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
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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Credit Risk Assessment Consultant Auto Financing • Jubail, Eastern Province, Saudi Arabia
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