Capital Senior Manager

About the Role

SAB is seeking a Capital Senior Manager to join the Credit & Lending Department within the Corporate & Institutional Banking (CIB) Group. This full-time position is based in Riyadh, Saudi Arabia, and focuses on capital efficiency and returns management within the CIB framework.

Core Responsibilities

• Act as the CIB subject matter expert on returns, including RWA, RoRWA, RoTE, Density & Velocity calculations and trends.
• Raise awareness of capital consumption among CIB Relationship Managers and advise on capital-efficient lending structures.
• Originate, oversee, and support capital efficiency initiatives to release RWAs, improve RoRWA, lower RWA density, and raise Capital Velocity, including data management, distribution, and reallocation of capital.
• Own CIB’s Loan Pricing Policy, ensuring it is commercially set and allows RMs to negotiate within defined boundaries.
• Manage the Omnia Returns Calculator, liaising with Finance to ensure alignment with SAB’s RWA/capital reporting methodology.
• Serve as the Final Approver (on behalf of CCIBO) for loan pricing approvals in the Omnia Returns Calculator, advising senior management and CCIBO on transaction pricing comparables prior to loan origination.
• Advise CCIBO, General Managers, and Directors on portfolio-level yields, margin compression/expansion trends, and spread leakage by sector, currency, and tenor.
• Ensure robust operational controls for loan margins, including accurate data input.
• Identify low-returning CIB clients and collaborate with Coverage teams on plans to enhance returns from these clients.
• Be directly responsible for CIB returns as a key performance indicator.
• Assume operational ownership of any RWA cap CIB may have.
• Serve as a subject matter expert on capital allocation and pricing in Deal Prioritization Committees, challenging business cases for large transactions, and recommending portfolio-level capital reallocation between business units based on risk-adjusted returns and strategic priorities.
• Understand key data drivers behind RWA & RoRWA calculations and embed a strong data quality control framework to support accurate regulatory reporting.
• Contribute on behalf of CIB to the Internal Capital Adequacy Assessment Process (ICAAP), Internal Liquidity Adequacy Assessment Process (ILAAP), Recovery & Resolution Planning, and Pre-ALCO.

Experience and Qualifications

• A minimum of 5 to 10 years of relevant experience is required for this role.

Work Environment

This is a full-time position based in Riyadh, Saudi Arabia, within the Corporate & Institutional Banking (CIB) Group at SAB.