senior project manager

finance manager

contracts manager

risk manager

senior commercial manager

credit risk senior manager

EMKAN | إمكان

<div>
 
 Job Brief:
 
 
 To identify and manage credit risks. To develop and implement of a comprehensive and effective credit risk management framework that meets established internal standards, aligns with industry best practice and Ekman&rsquo;s risk profile. To support credit strategy implementation through development of policy, monitoring and forecasting credit portfolio risk.
 
 
 Job Responsibilities:
 
 <ul>
 <li>
 Develop the annual business plans for the department ensuring alignment to the function&rsquo;s strategic plan.
 </li>
 <li>
 Contribute to the formulation and implementation of the strategy in line with EMKAN&rsquo;s vision, mission and Business Focus Areas.
 </li>
 <li>
 Report on the progress of activities against the annual business plans, opportunities, challenges and issues faced, mitigations taken, etc. as required, to facilitate informed decision-making.
 </li>
 <li>
 Build and lead a motivated, engaged and competent manpower throughout the division, by setting priorities and objectives, managing performance, and providing ongoing feedback and coaching to meet the departmental challenges and goals.
 </li>
 <li>
 Serve as a role model for the Credit Risk to ensure employees awareness and commitment to EMKAN&rsquo;s vision, mission, values, EMKAN fundamentals and corporate strategy to establish a highly engaged and motivated manpower, and continuously improve performance.
 </li>
 <li>
 Manage Credit Risk staff and teams by overseeing their performance management, recruitment, training and development to ensure high levels of engagement and competence and motivated work environment.
 </li>
 <li>
 Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.
 </li>
 <li>
 Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets
 </li>
 <li>
 Recommend an optimum organization structure for the Credit Risk in coordination with the Human Resource Department, to ensure efficient and effective workflow of operational processes and optimal utilization of resources.
 </li>
 <li>
 Collaborate with Human Resource department in development of business unit&rsquo;s manpower plan to ensure timely and best-of-class delivery of tasks.
 </li>
 <li>
 Prepare and recommend the department&rsquo;s budget in alignment to the respective annual business plan.
 </li>
 <li>
 Oversee costs and activities are monitored on a regular basis highlighting any relevant opportunities and issues, to facilitate appropriate decision-making in line with changing priorities.
 </li>
 <li>
 Manage the implementation and contribute towards the development of Credit Risk policies, systems, processes, procedures and controls covering all areas of the function so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service in a consistent manner.
 </li>
 <li>
 Manage the continuous improvement of existing policies, processes and procedures to drive incremental benefits through efficiencies and better insights and analysis.
 </li>
 <li>
 Build high levels of trust and understanding with internal and external stakeholders to promote full compliance with industry regulations and promote broader understanding of EMKAN interests and practices.
 </li>
 </ul>
 
 Qualification and Experience:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business Administration, or any other relevant field (Master&rsquo;s degree is preferred).
 </li>
 <li>
 Minimum of 10-12 years of relevant experience in Credit Risk Function.
 </li>
 </ul>
</div>

Credit Risk Senior Manager

Rentokil Initial

<div>The credit control manager will manage the credit control function to ensure timely collection, consistent application of credit standard operating procedures (SOP), and accurate assessment of the creditworthiness of existing and potential customers. Moreover, he/she:<ul>
<li>
Provides the team with adequate training, coaching and mentoring in order to develop their conceptual collection skills, ensure development and proper career paths;</li>
<li>Organizes and staffs the team with adequate resources and talent in order to achieve the desired levels of organisational excellence;</li>
<li>Ensures reconciling top customers as per the SOP in order to maintain healthy receivables and to avoid any discrepancy with the customers' accounts;</li>
<li>Ensures that the contract to cash receivables and credit control SOP is implemented and abided by;</li>
<li>Manages and solves all the customers' issues in order to maintain a win-win situation and a good relationship with them;</li>
<li>Follows up with the sales and operations teams to proceed all pending credit notes in order to avoid delay in issuing the invoices;</li>
<li>Submits all required daily, monthly and quarterly reports assigned by the finance manager or any external governmental ministries;</li>
<li>Carry out annual credit risk evaluation to map the credit and risk profile of customers so that actions can be taken to minimize risk.</li>
</ul>
Requirements<ul>
<li>
BA degree in Accounting, Finance, Business Administration or any relevant field</li>
<li>10 years of commercial experience.</li>
<li>Proficiency in English and Arabic with excellent verbal and written communication skills</li>
<li>Effective decision making and problem-solving skills</li></ul></div>

Credit Control Unit Manager

Aventus

<div>
 
 
 Title:
 
 Manager - Special Assets Management
 
 
 
 Location:
 
 Riyadh, Saudi Arabia
 
 
 
 
 
 
 About the Client
 
 
 
 Our client, a leading financial institution in Saudi Arabia, is seeking an experienced Manager - Special Assets Management to join their Wholesale Banking team. The role focuses on managing non-performing loans and implementing strategies to maximize recoveries while mitigating credit risk.
 
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Manage and monitor high-risk wholesale banking loans, implementing strategies to minimize losses and maximize recovery.
 </li>
 <li>
 Develop and execute restructuring solutions in collaboration with clients, legal counsel, and internal stakeholders.
 </li>
 <li>
 Provide recommendations and reports to credit and management committees, supporting decision-making on impaired portfolios.
 </li>
 <li>
 Lead the recovery of distressed assets, including negotiating settlements and coordinating remedial actions.
 </li>
 <li>
 Support and guide the FRR team, ensuring consistent application of recovery strategies and best practices.
 </li>
 </ul>
 
 
 
 
 
 Key Requirements
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Commerce, Finance, Economics, or a related field; Master&rsquo;s preferred.
 </li>
 <li>
 Minimum 5 years&rsquo; experience in banking, including financial restructuring, remedial management, or corporate NPL recovery.
 </li>
 <li>
 Strong analytical skills, with experience in cash flow analysis, debt restructuring, and portfolio recovery strategies.
 </li>
 <li>
 Excellent communication, negotiation, and stakeholder management abilities.
 </li>
 <li>
 Demonstrated leadership experience with the ability to guide teams and drive results in a high-pressure environment.
 </li>
 </ul>
 
 
</div>

Manager - Special Assets Management

Lendo

<div>As Lendo continues to scale, we&rsquo;re seeking a proactive and highly analytical Head of Process Excellence to strengthen our operational foundations and drive organisation-wide efficiency. In this role, you&rsquo;ll play a key part in reviewing, optimising, and redesigning critical processes-starting with Credit-while partnering closely with cross-functional teams to build scalable, well-controlled workflows that support Lendo&rsquo;s rapid growth. 
Key Responsibilities:<ul><li> 
Process Mapping &amp; Analysis: Lead the end-to-end mapping and detailed analysis of 
current-state processes within the Credit function, identifying bottlenecks, inefficiencies, 
control gaps, and areas for automation.</li><li>
Gap Identification &amp; Optimization: Proactively identify opportunities for process 
improvement, simplification, and optimization. Design and implement future-state 
processes that enhance efficiency, reduce risk, improve accuracy, and positively impact 
customer experience.</li><li>
Credit Process Enhancement: Specifically for the Credit function, work closely with 
Credit Underwriters, Analysts, and Collections teams to refine credit assessment 
workflows, loan origination processes, monitoring procedures, and collections strategies 
to ensure optimal performance and risk mitigation.</li><li>
Cross-Functional Collaboration: Collaborate extensively with stakeholders across 
various departments (Risk, Finance, Sales, Technology, Operations) to understand their 
process needs, gather insights, and ensure seamless integration of improved processes.</li><li>
Performance Metrics &amp; Monitoring: Establish clear performance metrics and KPIs for 
new and improved processes. Continuously monitor their effectiveness, identify 
deviations, and implement corrective actions.</li><li>
Documentation &amp; Standardization: Develop and maintain comprehensive 
documentation for all optimized processes, standard operating procedures (SOPs), and 
policy guidelines to ensure consistency and compliance.</li><li>
Technology Integration: Work with the Technology team to leverage automation tools, 
software solutions, and data analytics to enhance process efficiency and effectiveness.</li><li>
Change Management: Champion change initiatives related to process improvements, 
ensuring smooth adoption by relevant teams through effective communication, training, 
and support.</li><li>
Risk &amp; Compliance: Ensure all process improvements comply with internal policies, 
regulatory requirements (e.g., SAMA guidelines where applicable), and best practices in 
risk management.</li><li>
Culture of Excellence: Foster a continuous improvement mindset across the 
organization, encouraging teams to identify and propose process enhancements.</li></ul>
Qualifications:
<ul><li>Bachelor's degree in Business Administration, Finance, Engineering, Operations 
Management, or a related field. Master's degree or relevant certifications (e.g., Lean Six 
Sigma, PMP, CBAP) highly desirable.</li><li>
Minimum of 8-10 years of experience in process improvement, business analysis, 
operational excellence, or a similar role, with a strong preference for experience within 
the financial services or fintech industry.</li><li>
Proven track record of successfully identifying, designing, and implementing significant 
process improvements that have led to tangible results (e.g., cost savings, efficiency 
gains, risk reduction).</li><li>
Deep understanding of credit lifecycle processes within a lending environment is a 
significant advantage.</li><li>
Strong analytical and problem-solving skills, with the ability to break down complex 
problems and propose practical solutions.</li><li>
Excellent communication, presentation, and interpersonal skills, with the ability to 
influence and collaborate effectively with stakeholders at all levels.</li><li>
Proficiency in process mapping tools (e.g., Visio, Lucidchart, Miro) and project 
management software.</li><li>
Experience working in a fast-paced, agile startup environment is a plus.</li><li>
Fluency in English &amp; Arabic is required.</li><li>
Deep understanding of the Saudi Arabian business context and local regulatory 
landscape is a plus.</li></ul></div>

Head of Process Excellence

<div>As Lendo continues to scale, we&rsquo;re seeking a proactive and analytical Funding &amp; Capital Markets Manager to strengthen our institutional investor relationships and support financing strategies. In this role, you&rsquo;ll play a key part in capital-raising efforts by engaging with banks, asset managers, sovereign wealth funds, and other institutional partners. 
Key Responsibilities: 
Investor Coverage &amp; Financing Partnerships<ul><li>
Support in developing and executing capital-raising strategies targeting institutional investors, banks, asset managers, and sovereign wealth funds.</li><li>
Manage day-to-day investor engagement: preparing presentations, performance updates, and responding to due diligence requests.</li><li>
Assist in structuring and negotiating financing transactions (warehouse lines, sukuk issuances, securitizations, mezzanine facilities).</li><li>
Guide investors through the full cycle: from initial engagement to documentation, legalization, and contract signing.</li></ul>
Transaction Execution &amp; Risk Oversight<ul><li>
Coordinate with legal, compliance, credit and operations teams to ensure smooth transaction execution.</li><li>
Monitor covenant compliance, investor reporting obligations, and risk retention requirements.</li><li>
Ensure activities align with CMA, SAMA, and international standards while respecting Shariah-compliant frameworks.</li></ul>
Data Analysis &amp; Financial Insights<ul><li>
Leverage financial and market data to support investor discussions and decision-making.</li><li>
Build, analyze, and present data dashboards and reports using Excel, Power BI, and Tableau.</li><li>
Monitor investment performance, trends, and industry benchmarks (particularly in the mining and related sectors) to inform both internal strategy and external communications.</li></ul>
Qualifications:<ul><li>
4&ndash;10 years of experience in structured finance, investment banking, asset management, or fintech financing.</li><li>
Strong background in financial modeling, portfolio analysis, and transaction analytics.</li><li>
Solid understanding of sukuk, securitization, and alternative credit structures.</li><li>
Demonstrated ability to engage with institutional investors and present complex financial information clearly.</li><li>
Proficiency in Excel, SQL/Python, or BI tools for data analysis and reporting.</li><li>
Bachelor&rsquo;s degree in Finance, Economics, or related field; CFA or FRM preferred.</li><li>
Arabic language skills a plus, but not required.</li></ul></div>

Funding & Capital Markets Manager

<div>
 
 
 2. JOB PURPOSE
 
 
 
 Identification and management of risks associated with the entire company. Development and implementation of a comprehensive and effective risk management framework that meets established internal standards, aligns with industry best practice and Emkan&rsquo;s risk profile. Supports ERM strategy implementation through development of policy, statistical models, monitoring and forecasting credit portfolio risk.
 
 
 
 
 
 3. KEY ACCOUNTABILITIES
 
 
 Managerial Accountabilities
 
 (Common according to the managerial level)
 
 
 
 Functional Accountabilities
 
 (Job Specific)
 
 
 
 Policy Management
 
 <ul>
 <li>
 Develop ERM policies &amp; framework for the company which includes but not limited to Risk Appetite, Market, Liquidity risk, Term cost risk related policies.
 </li>
 <li>
 Work closely with product development, IT and sales teams to review new products, methodologies, channels, and strategies to meet customer needs, maximize profitability, and minimize enterprise risk
 </li>
 <li>
 Review lending programs &amp; processes on regular basis to ensure they are updated and in line with market&rsquo;s best practices.
 </li>
 </ul>
 
 Model Management
 
 <ul>
 <li>
 Must be familiar with Scorecards development and monitoring techniques including Application &amp; Behavioural scorecards.
 </li>
 <li>
 Fully aware of Models&rsquo; validations and calibration techniques
 </li>
 <li>
 Have full knowledge of IFRS9 modelling techniques and implementation strategies.
 </li>
 </ul>
 
 Risk Appetite
 
 <ul>
 <li>
 Develop Risk Appetite Statement, where the parameters for thresholds or tolerances shall be incorporated to articulate the Company&rsquo;s Risk Appetite.
 </li>
 <li>
 Able to establish a clear relationship between the Company&rsquo;s risk appetite and its objectives derived from the business strategy, as well as the Risk Strategy of the Company.
 </li>
 </ul>
 
 Regulatory environment awareness
 
 
 Must be familiar with SAMA regulations especially rules pertaining to ERM.
 
 <ul>
 <li>
 Thorough working knowledge of the Risk systems monitoring and its related procedures for analyzing the account behaviour of clients, identifying trends and shifts in risk profiles.
 </li>
 <li>
 Thorough understanding of lending products and facilities that give rise to counter party risk.
 </li>
 <li>
 Has knowledge of Regulatory requirements in the area of ERM
 </li>
 <li>
 Capable of implementing best approaches for Risk Management i.e., Risk Identification, Risk Assessment, Risk Response, Risk Monitoring and Risk Reporting.
 </li>
 </ul>
 
 Portfolio Management
 
 <ul>
 <li>
 Perform portfolio analysis from ERM aspects
 </li>
 <li>
 Review any portfolio related report upon the top management request to have an idea on the portfolio performance.
 </li>
 <li>
 Arrange and develop the Monthly Progress Report (MPR) data as well as the Power Point slides and share it with Group Risk department on a monthly basis.
 </li>
 </ul>
 
 Financials
 
 <ul>
 <li>
 Coordinate with the Finance department for the ERM related requirements.
 </li>
 <li>
 Review SAMA reports and related material.
 </li>
 </ul>
 
 Operational Excellence
 
 <ul>
 <li>
 Ensure the development of monthly MIS and management reporting
 </li>
 <li>
 Review and ensure the submission of monthly/quarterly SAMA ERM report, if any.
 </li>
 </ul>
 
 Technology
 
 <ul>
 <li>
 Attending the vendors meetings for the new system to assure the implementation accuracy and all risk comments are being covered appropriately.
 </li>
 </ul>
 
 People Management
 
 <ul>
 <li>
 Maintain staff efficient productivity.
 </li>
 <li>
 Make sure staff get their training courses annually.
 </li>
 </ul>
 
 
 
 
 
 
 
 4. Qualifications and experience
 
 
 
 Qualifications
 
 
 
 Minimum Bachelor's degree from a reputed university. Qualification from a specialized institution will be considered as an additional asset.
 
 
 
 Experience
 
 
 
 Minimum 10 years with 5+ years of relevant work experience.
 
 
 
 Knowledge and Skills
 
 
 
 Understanding of lending strategies and business models, especially Personal finance, Auto lease, Credit Cards and SME.
 
 
 Knowledge of credit assessment, credit policy, underwriting, risk management, liquidity risk, Market risk and portfolio management tools and processes including ECL, scoring models and profitability models
 
 
 Experience in focus on quality growth and member service while maintaining an appropriate risk/return balance
 
 
 Exhibits excellent analytical, multi-tasking, and time management skills.
 
 
 Ability to lead and motivate cross-functional, interdisciplinary teams to achieve tactical and strategic goals
 
 
 Ability to professionally handle confidential matters.
 
 
 High degree of initiative, dependability, and ability to work under minimal supervision
 
 
 
 
 
 
 
 
 5. Competencies
 
 
 
 Behavioural Competencies
 
 
 
 
 Ensures Accountability
 
 . Holding self and others accountable to meet commitments
 
 
 
 Communicates Effectively
 
 . Developing and delivering multi-mode communications that convey a clear understanding of the unique needs of different audiences.
 
 
 
 Customer Focus:
 
 Building strong customer (citizen) relationships and delivering &lsquo;customer-centric&rsquo; solutions.
 
 
 
 Action Oriented:
 
 Taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
 
 
 
 Plans and Aligns:
 
 . Planning and prioritizing work to meet commitments aligned with organizational goals.
 
 
 
 Collaborates
 
 . Building partnerships and working collaboratively with others to meet shared objectives.
 
 
 
 Instils Trust:
 
 Gaining the confidence and trust of others through honesty, integrity, and authenticity
 
 
 
 Manages Ambiguity:
 
 Operating effectively, even when things are not certain, or the way forward is not clear
 
 
 
 
 
 
 
 
 6. Key Internal and External Stakeholders
 
 (The most significant internal and external contacts, other than with the direct supervisor and subordinates.
 
 
 
 
 Internal
 
 
 (Other business units)
 
 
 
 
 External
 
 
 (Suppliers, Customers, Service Providers etc.)
 
 
 
 All departments, Risk Committees, Management Committees &amp; Board.
 
 
 SAMA, Vendors, Group companies &amp; service providers.
 
</div>

Enterprise Risk Senior Manager

JASARA PMC

JASARA PMC is seeking a proficient Risk Manager to enhance our project delivery capabilities as we strive to achieve the ambitious goals set forth in Vision 2030. The Risk Manager will be pivotal in identifying, assessing, and mitigating risks across our diverse infrastructure projects, ensuring that our objectives are met while maintaining safety, quality, and timelines.
 
Key Responsibilities: 
<ul>
<li>Establish and implement a comprehensive risk management framework for the organization.</li>
<li>Conduct detailed risk assessments to identify potential risks and evaluate their impact on project goals.</li>
<li>Work closely with project teams to develop and execute effective risk mitigation strategies.</li>
<li>Regularly update and maintain risk registers to track identified risks and mitigation measures.</li>
<li>Prepare and present risk management reports to senior management and stakeholders to facilitate informed decision-making.</li>
<li>Promote a culture of risk awareness by facilitating workshops and training programs.</li>
<li>Continuously monitor industry trends and compliance standards to enhance risk management practices.</li>
</ul>
Requirements: 
<ul>
<li>Bachelor's degree in Risk Management, Civil Engineering, Business Administration, or a related field.</li>
<li>15 years of relevant experience in risk management within the infrastructure or construction sectors.</li>
<li>Thorough understanding of risk management frameworks, methodologies, and relevant software tools.</li>
<li>Exceptional analytical, problem-solving, and critical thinking skills.</li>
<li>Strong communication and interpersonal skills to effectively collaborate with diverse teams.</li>
<li>Relevant certifications in risk management (such as PMI-RMP, CRM) are highly desirable.</li>
<li>Proven ability to manage multiple projects and prioritize effectively in a fast-paced environment.</li>
</ul>

Risk Manager

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