Credit Risk Manager📣 Job Ad

About Flooss

Flooss (فلووس) is a microfinance platform dedicated to enhancing financial accessibility through transparent processes, trusted practices, and smart technology. The company aims to redefine financial empowerment by offering a seamless digital experience, focusing on credibility and clarity to help customers confidently manage their financial options. Flooss provides solutions accessible from anywhere, fostering inclusive participation in modern financial services within a mission-driven environment that combines innovation with real-world impact.

The Role of Credit Risk Manager

Flooss is seeking a Credit Risk Manager to join its team in Riyadh. This is a full-time, on-site position responsible for the comprehensive management and oversight of the credit risk framework across all of Flooss's lending products. The role is central to maintaining a balanced risk profile while supporting business growth and operational efficiency.

Key Responsibilities

• Assess credit applications to determine eligibility and risk.
• Establish and continuously monitor credit policies and procedures.
• Evaluate the performance of the credit portfolio to ensure a balanced risk profile.
• Analyze financial and behavioral data to identify trends and potential risks.
• Develop and refine credit risk models.
• Recommend strategies to optimize approval rates while effectively minimizing defaults.
• Collaborate with product, operations, data, and compliance teams to align credit decisions with business objectives and regulatory requirements.
• Prepare detailed risk reports for internal and external stakeholders.
• Support internal and external audits related to credit risk.
• Continuously improve risk processes in line with Flooss’s commitment to transparency and smart technology.

Qualifications and Experience

Candidates for this role should possess a strong background in credit risk management. A minimum of 5 to 10 years of relevant experience is required, demonstrating a proven ability to manage credit risk frameworks and develop effective risk mitigation strategies within the financial services sector, preferably in microfinance or fintech.

Work Environment and Collaboration

This is an on-site position based in Riyadh, requiring active participation within the Flooss office environment. The Credit Risk Manager will work closely with various internal departments, including product development, operations, data analytics, and compliance, ensuring a cohesive approach to credit risk management that supports the company's strategic goals and regulatory adherence.

Application Process

Interested candidates who meet the qualifications are encouraged to apply. Flooss is committed to building a team that drives innovation and impact in the microfinance sector.