risk manager

HanmiGlobal Saudi

<div>Risk Manager
The Risk Manager will lead the development, implementation, and oversight of the project&rsquo;s risk management framework. This role is responsible for identifying, assessing, and mitigating risks across all project phases to ensure successful delivery of the Rua Ajyad development. The ideal candidate brings extensive experience in large-scale or complex project environments, with strong analytical skills and the ability to collaborate effectively with multidisciplinary teams.
Key Responsibilities<ul>
<li>
Develop and maintain the project&rsquo;s risk management plan, processes, and reporting structure.</li>
<li>Identify potential project risks, including technical, financial, operational, and schedule-related risks.</li>
<li>Conduct qualitative and quantitative risk assessments and maintain the project risk register.</li>
<li>Work closely with project teams, contractors, and stakeholders to implement mitigation strategies.</li>
<li>Monitor risk trends, evaluate emerging risks, and recommend proactive measures.</li>
<li>Facilitate risk workshops, training sessions, and awareness programs.</li>
<li>Prepare regular risk reports and dashboards for project leadership and stakeholders.</li>
<li>Ensure compliance with organizational standards, client requirements, and industry best practices.</li>
<li>Support decision-making by providing clear risk insights and scenario analyses.</li>
</ul>
Qualifications &amp; Requirements<ul>
<li>
Minimum 15 years of experience in risk management within relevant project scopes (construction, infrastructure, or mega projects).</li>
<li>Strong understanding of risk management methodologies, tools, and international standards.</li>
<li>Proven experience working on large-scale or complex developments.</li>
<li>Excellent analytical, communication, and stakeholder management skills.</li>
<li>Professional certifications (e.g., PMI-RMP, ISO 31000) are an advantage.</li>
<li>Saudi nationals are preferred.</li></ul></div>

Risk Manager

<div>HSE Manager
The HSE Manager will lead all health, safety, and environmental functions across the Rua Ajyad project. This role is responsible for establishing and enforcing HSE policies, ensuring compliance with local regulations, and fostering a strong safety culture across all project teams. The ideal candidate brings extensive experience in mega projects and high-rise developments in Makkah, with the ability to manage complex site conditions and drive continuous improvement in safety performance.
Key Responsibilities<ul>
<li>
Develop, implement, and maintain the project&rsquo;s HSE management system in alignment with international standards and Saudi regulations.</li>
<li>Lead risk assessments, safety audits, inspections, and incident investigations.</li>
<li>Ensure full compliance with HSE policies, procedures, and statutory requirements across all project activities.</li>
<li>Coordinate with contractors, consultants, and internal teams to ensure safe work practices and hazard mitigation.</li>
<li>Deliver HSE training, awareness programs, and toolbox talks to enhance safety culture.</li>
<li>Monitor site conditions, identify potential hazards, and implement corrective and preventive actions.</li>
<li>Review and approve HSE documentation, including method statements, risk assessments, and emergency response plans.</li>
<li>Prepare regular HSE reports and present findings to project leadership and stakeholders.</li>
<li>Promote a proactive approach to safety, encouraging continuous improvement and accountability.</li>
</ul>
Qualifications &amp; Requirements<ul>
<li>
Bachelor&rsquo;s degree in Engineering, Health &amp; Safety, or a related discipline.</li>
<li>Relevant professional membership or certification (e.g., IOSH, OSHA).</li>
<li>NEBOSH certification is mandatory.</li>
<li>Minimum 15 years of experience in HSE roles for mega projects and high-rise towers.</li>
<li>Experience in Makkah, Saudi Arabia, with strong knowledge of local regulations and site constraints.</li>
<li>Proven leadership skills with the ability to influence and guide multidisciplinary teams.</li>
<li>Strong communication, analytical, and problem‑solving abilities.</li>
<li>Saudi nationals are preferred.</li></ul></div>

HSE Manager

Mövenpick Hotels & Resorts

<div>
 
 Company Description
 
 
 
 
 Join
 
 
 us at Accor,
 
 
 where
 
 
 life pulses
 
 
 with
 
 
 passion!
 
 
 
 As a pioneer in the art of responsible hospitality, the Accor Group gathers more than 45 brands, 5,600 hotels, 10,000 restaurants, and lifestyle destinations in 110 countries. While each brand has its own personality, where you will be able to truly find yourself, they all share a common ambition: to keep innovating and challenging the status-quo.
 
 
 By joining us, you will become a Heartist&reg;, because hospitality is, first and foremost, a work of heart.
 
 
 You will join a caring environment and a team where you can be all you are. You will be in a supportive place to grow, to fulfil yourself, to discover other professions and to pursue career opportunities, in your hotel or in other hospitality environments, in your country or anywhere in the world!
 
 
 You will enjoy exclusive benefits, specific to the sector and beyond, as well as strong recognition for your daily commitment.
 
 
 Everything you will do with us, regardless of your profession, will offer a deep sense of meaning to create lasting, memorable and impactful experiences for our customers, for our colleagues and for the planet.
 
 
 
 Hospitality
 
 
 is
 
 
 a
 
 
 work
 
 
 of
 
 
 heart
 
 
 ,
 
 
 
 
 Join
 
 
 us and
 
 
 become
 
 
 a
 
 
 Heartist
 
 
 &reg;.
 
 
 
 
 Job Description
 
 
 
 We are seeking a detail-oriented and analytical Assistant Credit Manager to join our team in Jeddah, Saudi Arabia. As an integral part of our financial operations, you will play a crucial role in managing credit risks and supporting the overall credit strategy of our organization.
 
 
 <ul>
 <li>
 Assist in developing and implementing credit policies and procedures
 </li>
 <li>
 Analyze financial statements and credit reports to assess creditworthiness of clients
 </li>
 <li>
 Evaluate credit applications and make recommendations for approval or rejection
 </li>
 <li>
 Monitor existing credit accounts and identify potential risks
 </li>
 <li>
 Collaborate with sales teams to balance credit risk with business growth objectives
 </li>
 <li>
 Prepare regular reports on credit portfolio performance and risk exposure
 </li>
 <li>
 Negotiate payment terms and develop repayment plans for delinquent accounts
 </li>
 <li>
 Stay updated on Saudi Arabian financial regulations and credit practices
 </li>
 <li>
 Contribute to the continuous improvement of credit management processes
 </li>
 <li>
 Mentor and guide junior team members in credit analysis techniques
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 <ul>
 <li>
 Bachelor's degree in Finance, Accounting, or related field
 </li>
 <li>
 Saudi nationality is required for this position
 </li>
 </ul>
</div>

Assistant Credit Manager - Saudi Only

Mövenpick

<div>Company Description 
Join us at Accor, where life pulses with passion!
As a pioneer in the art of responsible hospitality, the Accor Group gathers more than 45 brands, 5,600 hotels, 10,000 restaurants, and lifestyle destinations in 110 countries. While each brand has its own personality, where you will be able to truly find yourself, they all share a common ambition: to keep innovating and challenging the status-quo.
By joining us, you will become a Heartist&reg;, because hospitality is, first and foremost, a work of heart.
You will join a caring environment and a team where you can be all you are. You will be in a supportive place to grow, to fulfil yourself, to discover other professions and to pursue career opportunities, in your hotel or in other hospitality environments, in your country or anywhere in the world!
You will enjoy exclusive benefits, specific to the sector and beyond, as well as strong recognition for your daily commitment.
Everything you will do with us, regardless of your profession, will offer a deep sense of meaning to create lasting, memorable and impactful experiences for our customers, for our colleagues and for the planet.
Hospitality is a work of heart,
 
Join us and become a Heartist&reg;. 
Job Description 
We are seeking a detail-oriented and analytical Assistant Credit Manager to join our team in Jeddah, Saudi Arabia. As an integral part of our financial operations, you will play a crucial role in managing credit risks and supporting the overall credit strategy of our organization.<ul><li>
Assist in developing and implementing credit policies and procedures</li><li>
Analyze financial statements and credit reports to assess creditworthiness of clients</li><li>
Evaluate credit applications and make recommendations for approval or rejection</li><li>
Monitor existing credit accounts and identify potential risks</li><li>
Collaborate with sales teams to balance credit risk with business growth objectives</li><li>
Prepare regular reports on credit portfolio performance and risk exposure</li><li>
Negotiate payment terms and develop repayment plans for delinquent accounts</li><li>
Stay updated on Saudi Arabian financial regulations and credit practices</li><li>
Contribute to the continuous improvement of credit management processes</li><li>
Mentor and guide junior team members in credit analysis techniques</li></ul> 

Qualifications 
<ul><li>
Bachelor's degree in Finance, Accounting, or related field</li><li>
Saudi nationality is required for this position</li></ul></div>

JENSEN HUGHES

<div>Company Overview

Throughout our worldwide network of experts, clients and communities, we are renowned for our leadership in fire protection engineering &ndash; a legacy of responsibility we have proudly upheld since 1939. Today, our expertise extends broadly across closely related security and risk-based fields &ndash; from accessibility consulting and risk analysis to process safety, forensic investigations, security risk consulting, emergency management, digital innovation and more.Our engineers and consultants collaborate to solve complex safety and security challenges, ensuring our clients can protect what matters most. For over 80 years, we have helped mitigate risks that threaten lives, property and reputations. Through technology, expertise and industry-leading research, we remain dedicated to our purpose of making our world safe, secure and resilient.At Jensen Hughes, we believe that creating and sustaining a culture of trust, integrity and professional growth starts with putting our people first. Our employees are our greatest strength, and we value the unique perspectives and talents they bring to our organization. Our wide range of Global Employee Networks connect people from across the organization, supporting career development and providing forums for individuals to share experiences on topics they're passionate about. Together, we are cultivating a connected culture where everyone has the opportunity to learn, grow and succeed together.

Overview &ndash; Role

Jensen Hughes is seeking a Fire Engineer (site based) for complex Fire &amp; Life Safety Project in the Jeddah region of Saudi Arabia.

This role requires proficiency in different aspects of the Project's Fire &amp; Life safety requirements including but not limited to review of Contractors' documentation, passive/active and ventilation fire protection systems -installation, commissioning, inspections &amp; testing. In this role you will work in line with the client expectations and compliance requirements within the agreed project scope while coordinating with the Project Manager and the team members. Expertise related to FLS review of Contractors documentation, systems, calculations and reports would be the key requirements for the role.

This role offers an exciting range of opportunities to develop your career within a supportive and diverse team who always strive to do the right thing for our people, clients and communities.

Responsibilities&middot;
<ul><li>Review Contractor's Fire &amp; Life Safety (FLS) packages based on (NFPA codes, SBC codes and GDCD requirements)</li>
<li>Conduct a comprehensive technical review Contractor's Fire &amp; Life Safety (FLS) documentation including but not limited to FLS/fire protection Shop Drawings, Material Submittals, Method Statements for testing, inspections, commissioning and handover of all passive and active fire protection systems</li>
<li>Conduct Building Code Analysis and Gap Analysis as required by Contractor's submissions</li>
<li>Assess Construction site potential fire safety hazards, occupational health and safety hazards for buildings and facilities under Construction Supervision</li>
<li>Conduct frequent site inspections for all passive and active fire systems with data collection and reporting</li>
<li>Conduct testing, commissioning and hand-over site inspections for all passive and active fire protection systems with data collection and reporting</li>
<li>Review and approve Contractor's Fire Risk Assessments and review emergency evacuation plans.</li> 
</ul>
Qualifications
<ul>
<li>Bachelor's Degree or higher in Civil/Architectural/Mechanical/Electrical Engineering preferred</li>
<li>Ability to enter and work in Makkah</li>
<li>7+ years of project experience up to 15 years, covering design review, construction supervision, fire protection installations inspections, surveys, audits, testing/commissioning and approvals</li>
<li>Proven experience in FLS calculations and reporting</li>
<li>Preferably certified on all/either NFPA 13, 20, 72, 101, 2001 codes by approved NFPA instructors</li>
<li>Proven site experience related to Fire Protection, Suppression, Fire Alarm systems, Ventilation, and passive fire systems</li>
<li>Proven experience in liaising with local Authority, Contractors, and Clients to obtain all required certificates for occupancy</li>
<li>Excellent verbal and written communication skills and able to undertake work independently</li>
<li>Excellent communication and interpersonal skills along with strong analytical, problem-solving, and decision-making skills</li>
</ul>
 Why you should join Jensen Hughes 
<ul>
<li>You will work with market-leading clients and have the backing of a leading international firm</li>
<li>There is continued support from the leadership team with a flexible approach to carrying out day to day activities including hybrid work opportunity</li>
<li>Career advancement with an established framework is in place &ndash; clearly defining expectations and outlining opportunities for advancement</li>
</ul>
#LI-SR1<div> 
Jensen Hughes is an Equal Opportunity Employer. Qualified candidates will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. 


At Jensen Hughes, we embrace innovation and understand that people are increasingly using artificial intelligence (AI) tools like ChatGPT and other generative platforms to learn, prepare and communicate. We have provided some guidelines regarding the responsible use of AI in the recruitment process. Please click here to review. 
The security of your personal data is important to us. Jensen Hughes has implemented reasonable physical, technical, and administrative security standards to protect personal data from loss, misuse, alteration, or destruction. We protect your personal data against unauthorized access, use, or disclosure, using security technologies and procedures, such as encryption and limited access. Only authorized individuals may access your personal data for the purpose for which it was collected, and these individuals receive training about the importance of protecting personal data. Jensen Hughes is committed to compliance with all relevant data privacy laws in all areas where we do business, including, but not limited to, the GDPR and the CCPA. Additionally, our service providers are contractually bound to maintain the confidentiality of personal data and may not use the information for any unauthorized purpose. 

<ul><li>Policy on use of 3rd party recruiting agency for direct placements</li></ul> 
Jensen Hughes will occasionally augment a recruiting search through agencies for certain positions when business conditions warrant. Jensen Hughes will not accept resumes, inquiries or proposals from recruiting agencies as an acceptable method to consider a candidate. 3rd party recruiting agencies must sign a standard Jensen Hughes agreement after being evaluated and accepted by a Human Resources or Talent Acquisition manager, or member of the talent acquisition team. Hiring managers and employees of Jensen Hughes are not authorized to accept resumes, engage in fee-based searches through recruiting firms or sign a search agreement. Please note this policy does not apply to &quot;staffing firms&quot; or firms that are involved with hiring temporary staff. Any recruiting agency interested in being considered may contact our recruiting team at jensenhughesrecruiting.com.</div></div>

Fire Engineer (site-based) , Jeddah Region

<div>Company Overview

Throughout our worldwide network of experts, clients and communities, we are renowned for our leadership in fire protection engineering &ndash; a legacy of responsibility we have proudly upheld since 1939. Today, our expertise extends broadly across closely related security and risk-based fields &ndash; from accessibility consulting and risk analysis to process safety, forensic investigations, security risk consulting, emergency management, digital innovation and more.Our engineers and consultants collaborate to solve complex safety and security challenges, ensuring our clients can protect what matters most. For over 80 years, we have helped mitigate risks that threaten lives, property and reputations. Through technology, expertise and industry-leading research, we remain dedicated to our purpose of making our world safe, secure and resilient.At Jensen Hughes, we believe that creating and sustaining a culture of trust, integrity and professional growth starts with putting our people first. Our employees are our greatest strength, and we value the unique perspectives and talents they bring to our organization. Our wide range of Global Employee Networks connect people from across the organization, supporting career development and providing forums for individuals to share experiences on topics they're passionate about. Together, we are cultivating a connected culture where everyone has the opportunity to learn, grow and succeed together.

Overview &ndash; Role

Jensen Hughes is now seeking an experienced Engineer - FLS Inspections and Audit - to join our operations in Makkah. In this role you will be responsible for conducting operations and maintenance fire protection and life safety inspections. This role involves working closely with the various stakeholders in the Fire protection team to ensure compliance with local codes and standards.

This is a client-facing role and requires a solid technical understanding of Fire and Life Safety principles, and excellent communication &amp; organization skills. In this role, you will demonstrate experience and passion in Code Consulting, Performance Based Design, and Fire Protection Systems Design.

Responsibilities&middot;
<ul><li>Witness and document Operation and Maintenance inspections and testing of fire protection and suppression systems, fire alarms, manual fire suppression equipment, smoke control system and emergency power</li>
<li>Conduct visual inspections of passive fire protection systems, egress routes, and life safety provisions</li>
<li>Verify all results meet the acceptance criteria defined by NFPA and other international standards.</li>
<li>Review of the maintenance records of fire and life safety systems</li>
</ul>
Qualifications
<ul>
<li>Minimum 5 years to 9 years of experience in the relevant field</li>
<li>Experience in operation and maintenance is preferred</li>
<li>Ability to enter and work in Makkah</li>
<li>Fluent in Arabic (preferred); English proficiency required</li>
<li>Ability to travel across KSA , working in diverse environments</li>
</ul>
 Why you should join Jensen Hughes 
<ul>
<li>You will work with market-leading clients and have the backing of a leading international firm</li>
<li>There is continued support from the leadership team with a flexible approach to carrying out day to day activities including hybrid work opportunity</li>
<li>Career advancement with an established framework is in place &ndash; clearly defining expectations and outlining opportunities for advancement</li>
</ul>
#LI-SR1<div> 
Jensen Hughes is an Equal Opportunity Employer. Qualified candidates will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. 


At Jensen Hughes, we embrace innovation and understand that people are increasingly using artificial intelligence (AI) tools like ChatGPT and other generative platforms to learn, prepare and communicate. We have provided some guidelines regarding the responsible use of AI in the recruitment process. Please click here to review. 
The security of your personal data is important to us. Jensen Hughes has implemented reasonable physical, technical, and administrative security standards to protect personal data from loss, misuse, alteration, or destruction. We protect your personal data against unauthorized access, use, or disclosure, using security technologies and procedures, such as encryption and limited access. Only authorized individuals may access your personal data for the purpose for which it was collected, and these individuals receive training about the importance of protecting personal data. Jensen Hughes is committed to compliance with all relevant data privacy laws in all areas where we do business, including, but not limited to, the GDPR and the CCPA. Additionally, our service providers are contractually bound to maintain the confidentiality of personal data and may not use the information for any unauthorized purpose. 

<ul><li>Policy on use of 3rd party recruiting agency for direct placements</li></ul> 
Jensen Hughes will occasionally augment a recruiting search through agencies for certain positions when business conditions warrant. Jensen Hughes will not accept resumes, inquiries or proposals from recruiting agencies as an acceptable method to consider a candidate. 3rd party recruiting agencies must sign a standard Jensen Hughes agreement after being evaluated and accepted by a Human Resources or Talent Acquisition manager, or member of the talent acquisition team. Hiring managers and employees of Jensen Hughes are not authorized to accept resumes, engage in fee-based searches through recruiting firms or sign a search agreement. Please note this policy does not apply to &quot;staffing firms&quot; or firms that are involved with hiring temporary staff. Any recruiting agency interested in being considered may contact our recruiting team at jensenhughesrecruiting.com.</div></div>

Engineer – FLS O&M Inspections and Audit (Makkah)

Digital HR Consultancy

Position OverviewThe Factory Manager is responsible for leading and overseeing all production operations within a large-scale wooden fabrication facility specializing in fit-outs, joinery, carpentry, retail fixtures, hospitality interiors, event structures, and exhibition stands. The role ensures efficient production planning, on-time delivery, quality control, cost optimization, and safe working conditions while driving continuous improvement across machines, manpower, and materials.This position requires a hands-on leader with deep technical knowledge of woodworking, joinery manufacturing processes, CNC machining, cutting lists, BOMs, production workflows, and multi-project execution under tight deadlines.Key Roles &amp; Responsibilities1. Production Management &amp; Planning<ul><li>Develop and oversee daily/weekly/monthly production schedules aligned with project timelines and client delivery requirements.</li><li>Allocate manpower, machine load, and materials across carpentry, CNC, laser cutting, painting, and assembly sections.</li><li>Ensure production workflows follow approved technical drawings, cutting lists, and shop drawings.</li><li>Monitor daily progress, identify bottlenecks, and proactively implement corrective actions.</li></ul>2. Factory Operations Leadership<ul><li>Manage all factory departments: carpentry, CNC machining, painting/finishing, assembly, packaging, and dispatch.</li><li>Lead and supervise a workforce of skilled technicians, carpenters, foremen, and machine operators.</li><li>Establish clear KPIs (output, efficiency, waste, downtime, reworks, on-time delivery) and track performance.</li><li>Ensure machinery readiness and minimize downtime through preventive maintenance.</li></ul>3. Quality Control &amp; Standards<ul><li>Ensure all produced items meet design specifications, joinery standards, and client quality expectations.</li><li>Implement quality inspection checkpoints across key stages (raw material cutting &rarr;</li><li>assembly &rarr; finish &rarr; final QA).</li><li>Reduce rework ratio through root-cause analysis and cross-team accountability.</li><li>Review materials and finishing types to ensure durability, precision, and correct application.</li></ul>4. Project Coordination &amp; Technical Oversight<ul><li>Collaborate with Account Managers, Designers, and Draftsmen/Technical team to review drawings, technical details, constructability, and feasibility.</li><li>Provide technical guidance on joinery details, material options, hardware selection, fabrication methods, and installation requirements.</li><li>Ensure all materials and production requirements are ready according to the project pipeline.</li><li>Attend coordination meetings and provide accurate factory progress reports.</li></ul>5. Cost Control &amp; Resource Optimization<ul><li>Optimize labor utilization, machine usage, material consumption, and reduce wastage.</li><li>Control factory overhead costs and ensure budgets are met.</li><li>Analyze production cost variances and propose improvements.</li><li>Lead implementation of lean manufacturing and continuous improvement methods.</li></ul>6. Health, Safety &amp; Compliance<ul><li>Maintain a safe working environment and ensure compliance with local safety regulations.</li><li>Conduct safety audits, toolbox talks, and risk assessments for all factory activities.</li><li>Ensure proper storage of chemicals (paints, adhesives), safe machine operation, and PPE usage.</li></ul>7. Team Management &amp; Development<ul><li>Recruit, train, supervise, and evaluate production staff and foremen.</li><li>Build a strong, disciplined, and motivated production culture with accountability and teamwork.</li><li>Identify skills gaps and arrange training programs (CNC, carpentry, finishing, etc.).</li></ul>8. Reporting &amp; Systems Management<ul><li>Generate daily/weekly production reports, including performance, delays, and material status.</li><li>Work closely with the ERP/production management system to update job orders, material consumption, and output tracking.</li><li>Maintain accurate inventory records and ensure timely procurement.</li></ul>Required Qualifications &amp; Experience (Explicitly Relevant) Education&middot; Bachelor&rsquo;s degree in Industrial Engineering, Manufacturing, Production Management, Interior Architecture, or related field (preferred).&middot; Technical Diploma in Carpentry/Joinery or Wood Technology is an advantage.ExperienceCandidates must have direct, hands-on experience in similar fabrication environments:&middot; Minimum 8&ndash;12 years of experience in wood fabrication, joinery manufacturing, carpentry works, or interior fit-out production.&middot; At least 5 years in a Factory Manager, Production Manager, or Senior Supervisor rolein a joinery/furniture/fit-out workshop.Proven experience producing:o hotel fit-outs and joineryo restaurant and caf&eacute; interiorso retail shop fixtures &amp; displayso event structures and exhibition standso large-scale carpentry and custom furniture&middot; Strong background with CNC operations, technical drawings, cutting lists, joinery assembly methods, material specifications, and finishing techniques.&middot; Demonstrated ability to manage multi-project production with tight deadlines and fast turnaround times.Skills &amp; Competencies&middot; Strong knowledge of woodworking machines, CNC routers, edge banders, panel saws, and carpentry equipment.&middot; Excellent understanding of AutoCAD/technical drawings (ability to read and interpret shop drawings).&middot; Strong leadership, communication, and conflict-resolution skills.&middot; Ability to optimize workflows and implement lean manufacturing practices.&middot; Excellent planning, organization, and problem-solving abilities.&middot; ERP or production management system experience is a plus.Job Type: Full-timeApplication Question(s):<ul><li>Age?</li><li>Current Salary?</li><li>Expected Salary?</li></ul>

Factory Manager -Wood Fabrication & Joinery - KSA

Explore 127+ Risk manager in Jeddah Saudi Arabia this January. Find roles across top companies and apply now to boost your career.

127 risk manager jobs IN Jeddah Saudi Arabia

Risk Manager

HSE Manager

Assistant Credit Manager - Saudi Only

Assistant Credit Manager - Saudi Only

Fire Engineer (site-based) , Jeddah Region

Engineer – FLS O&M Inspections and Audit (Makkah)

Factory Manager -Wood Fabrication & Joinery - KSA