Credit Risk Manager📣 إعلان

About the Role at Lendo

Lendo is seeking a Credit Risk Manager to join our team in Riyadh. This full-time position is crucial for enhancing the integrity of our lending processes and ensuring robust credit decisions as the company continues its growth trajectory.

Role Purpose and Contribution

The Credit Risk Manager will play a central role in evaluating client creditworthiness and assessing risk across various portfolios. This position drives strategies for approving or rejecting loan requests, ensuring consistency and confidence in all lending activities. The focus is on maintaining sound financial practices and supporting Lendo's strategic objectives.

Key Responsibilities

• Conduct comprehensive credit assessments for SME financing applications, utilizing financial statement analysis, cash flow evaluation, and due diligence to determine creditworthiness.
• Review credit proposals to ensure completeness, accuracy, and compliance with Lendo's credit policies, underwriting standards, and regulatory requirements.
• Prepare clear, evidence-based credit recommendations for the Credit Committee, detailing key risks, proposed mitigants, and the rationale for approval or rejection.
• Assess credit exposures to ensure alignment with Lendo's risk appetite, portfolio concentration limits, and internal risk rating framework.
• Monitor the performance and quality of the credit portfolio, identifying emerging risks, delinquency trends, and recommending appropriate mitigation strategies.
• Produce regular credit risk reports and portfolio insights, providing detailed analysis on borrower performance, loan exposures, and overall portfolio quality.
• Support the ongoing enhancement of credit policies, underwriting frameworks, and risk management processes to improve consistency and decision quality.
• Collaborate with internal stakeholders, including Sales, Credit Operations, and Legal, to facilitate efficient credit decision-making while upholding strong risk controls.
• Ensure all lending activities comply with SAMA regulations, internal governance requirements, and Shariah-compliant financing principles.

Qualifications and Experience

• A minimum of 5 to 10 years of relevant experience in credit risk management, preferably within the financial services sector.
• Demonstrated expertise in financial statement analysis, cash flow evaluation, and due diligence processes.
• Strong understanding of credit policies, underwriting standards, and regulatory compliance, including SAMA regulations and Shariah-compliant financing principles.
• Proven ability to assess and monitor credit portfolios, identify risks, and develop mitigation strategies.

Work Environment

This is a full-time position based in Riyadh, where the Credit Risk Manager will work collaboratively with various internal departments to achieve Lendo's financial objectives.