Credit Risk Manager

About the Role

Tamam is seeking a Credit Risk Manager to support the development and enhancement of the company’s credit risk framework, portfolio monitoring, and risk analytics. This full-time position is based in Riyadh and requires 5-10 years of experience. The role will focus on SME credit portfolios, ensuring effective assessment of credit quality, portfolio performance, provisioning, and emerging risk trends.

Key Responsibilities

• Monitor and assess credit portfolio performance across SME, corporate, and retail exposures.
• Review and assess IFRS 9 and ECL methodologies, including PD, LGD, EAD, staging criteria, macroeconomic factors, and management overlays.
• Analyze portfolio quality, delinquency, aging, concentration, provisioning, and risk classification.
• Identify emerging credit risks, portfolio deterioration trends, and areas requiring management attention.
• Perform financial statement and credit risk analysis to assess borrowers’ financial position and repayment capacity.
• Support the development and enhancement of credit risk models, scorecards, policies, and portfolio monitoring tools.
• Review controls related to credit approval, disbursement, monitoring, and provisioning processes.
• Support stress testing, portfolio segmentation, and credit risk assessments where required.
• Prepare regular credit risk reports, analysis, and recommendations for senior management and relevant committees.
• Work closely with Finance, Credit, Collections, Data, Compliance, and Business teams on credit risk-related initiatives.

Qualifications and Experience

• 5-10 years of experience in credit risk management.
• Strong experience in credit risk, IFRS 9, Expected Credit Loss (ECL), and financial analysis.
• Exposure to banking, lending, FinTech, or financial risk advisory environments.

Work Location

This position is based in Riyadh, Saudi Arabia.

Employment Type

This is a full-time employment opportunity.