Senior Credit Risk Manager

The Mandate

Toyota Point Motors is seeking a strategic and analytical Senior Credit Risk Manager to lead our credit governance department. As a premier automotive hub in Salalah, we require a professional who can design and oversee sophisticated credit assessment frameworks for both individual and corporate clients. You will be the primary authority on risk appetite, ensuring that our financing solutions remain competitive while maintaining an industry-leading low NPL (Non-Performing Loan) ratio.

Core Responsibilities

• Credit Framework Design: Develop and refine credit scoring models and underwriting policies tailored to the Omani automotive market, balancing sales targets with risk exposure.
• High-Value Approval: Act as the final decision-maker for high-value credit applications, corporate fleet financing, and complex lease-to-own agreements.
• Portfolio Risk Monitoring: Conduct continuous stress-testing and aging analysis of the total credit portfolio, identifying emerging trends or regional economic shifts that may impact repayment behaviors.
• Collections Strategy Oversight: Lead the recovery and collections teams in developing ethical but effective intervention strategies for delinquent accounts, in compliance with Omani commercial laws.
• Stakeholder & Bank Liaison: Maintain strong relationships with partner banks and financial institutions, ensuring seamless integration of third-party financing and internal credit facilities.
• Regulatory Compliance: Ensure all credit activities adhere strictly to Central Bank of Oman (CBO) guidelines and local consumer protection regulations.

Professional Profile

• Minimum 10–12 years of experience in credit risk management, preferably within the automotive finance, banking, or consumer retail sectors.
• Technical Expertise: Advanced proficiency in credit modeling, financial statement analysis, and risk-rating systems.
• Proven track record of managing large-scale portfolios and leading high-performance risk/collections teams.
• Deep understanding of the Omani Commercial Law and the Sultanate’s regulatory landscape for retail finance.
• Bilingual Excellence: Absolute professional fluency in English and Arabic is mandatory for credit committee reporting and regulatory liaison.
• Bachelor’s degree in Finance, Economics, or Risk Management; professional certifications (e.g., FRM, PRM) are highly advantageous.

Package & Benefits

• Fixed Monthly Salary: OMR 2,600.
• Comprehensive health and life insurance for self and immediate family.
• Annual flight allowance and 30 days of annual leave.
• Full company sponsorship and residency permit in Salalah.
• A leadership position with a globally recognized automotive brand in the heart of Al Wadi.

الراتب المدفوع: ﷼٢٬٦٠٠٫٠٠٠ لكل شهر

موقع العمل: بشكل شخصي