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Credit Risk Manager
Description
About CreditLine:
CreditLine is an innovative micro-lending company dedicated to transforming access to credit by leveraging cutting-edge artificial intelligence (AI) and machine learning (ML). Our mission is to bridge the gap in financial inclusion by serving individuals employed in the private sector and others traditionally underserved by conventional banking institutions. At CreditLine, we believe every borrower is unique. Our AI-driven platform analyzes comprehensive behavioral data beyond traditional financial metrics, enabling us to deliver personalized credit solutions tailored specifically to each customer’s financial circumstances and risk profile. This technology-driven approach allows us to assess risk more fairly and accurately, ensuring individuals receive the credit they deserve at terms aligned precisely with their needs. By combining advanced data science with a deep understanding of market gaps, CreditLine empowers people to unlock their financial potential, fostering greater economic opportunity and financial resilience for everyone.
Job Summary:
The Credit Risk Manager owns CreditLine’s credit risk process and strategy for consumer financing and serves as the company’s subject-matter expert on retail credit risk. The role is responsible for reviewing credit applications from a credit risk perspective including repayment history, creditworthiness, and behavioral indicators leading and supporting the team of credit analysts to ensure consistent, high-quality decision-making, and representing CreditLine on credit risk matters in front of investors, creditors, regulators, and other third parties. The manager also prepares board- and executive-level reports covering portfolio performance, origination quality, and credit risk indicators to support sound decision-making across the organization.
Roles and Responsibilities:
- Own the end-to-end credit risk process and strategy for CreditLine’s consumer financing business, and act as the company’s subject-matter expert on retail credit risk.
- Design, implement, and continuously enhance credit risk policies, procedures, and limits governing the issuance, monitoring, and recovery of credit across consumer financing products.
- Develop and maintain the credit risk appetite framework for the retail portfolio, including portfolio limits, concentration thresholds, exception protocols, and approval authority matrices.
- Review credit applications from a credit risk perspective including repayment history, creditworthiness, debt burden, and behavioral indicators providing the final risk decision
- Lead, coach, and support the team of credit analysts, setting standards for credit assessments, ensuring consistent application of credit policy, and developing the team’s technical capabilities.
- Represent CreditLine on credit risk matters in front of investors, creditors, rating agencies, regulators, auditors, and other third parties, providing clear and credible articulation of the company’s credit risk posture.
- Prepare board-level and executive-level reports covering portfolio performance, origination quality, vintage trends, delinquency and roll rates, concentration shifts, and early-warning indicators of credit deterioration.
- Provide the credit risk department’s scope, data, and inputs to the CFO to support the Expected Credit Loss (ECL) and IFRS 9 provisioning process owned by Finance.
- Drive enhancements to the credit risk engine, scoring methodologies, and decisioning logic to maintain a best-practice consumer financing approach aligned with the retail customer base.
- Collaborate with product, operations, technology, and collections teams to ensure credit strategies align with business goals and to streamline the end-to-end consumer credit decisioning process.
- Lead initiatives to enhance the efficiency and automation of credit risk evaluation using advanced analytics, AI, and data-driven insights.
- Ensure compliance with SAMA’s Consumer Finance Regulations, Responsible Lending Principles, and other applicable credit-related guidelines and reporting requirements.
- Foster a strong credit risk culture across the organization through training, awareness sessions, and ongoing engagement with business stakeholders.
- Support different teams with the existing counter fraud and AML efforts.
Skills, Knowledge and Expertise
- Bachelor's degree in Finance, Economics, Business Administration, or a related field.
- 7+ years of experience in credit risk management, consumer lending, fintech, banking, or financial services.
- Strong analytical and problem-solving skills with the ability to interpret complex financial and behavioral data.
About Malaa
Malaa is the leading wealth management tool in the Kingdom, addressing the gap in the financial products offerings and advancing cutting-edge technology adoption by offering data-driven financial products and services that empower individuals and organizations for better financial decisions. Established in November 2021, Malaa aims to be the go-to for financial decision-making, whether it’s for saving, lending, or investing. Malaa is regulated by the Saudi Central Bank (SAMA) for Open Banking activities and the Capital Market Authority for Robo-advisory and asset management activities.
Malaa is spearheading Open Banking in the Kingdom as the first Open Banking company to officially launch its services for its users and the first company to offer behavioral risk profiling for its lending partners, leveraging Open Banking data with exceptional engineering and data science capabilities.
For more information, visit: www.malaa.tech
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