Credit Risk Manager📣 Job Ad

About Lendo

Lendo (ليندو) is a growing financial technology company based in Riyadh, Saudi Arabia. As the company continues its expansion, it is dedicated to enhancing the integrity of its lending processes and ensuring robust credit decisions.

The Credit Risk Manager Role

Lendo is seeking a Credit Risk Manager to join its full-time team in Riyadh. This pivotal role involves evaluating client creditworthiness, assessing risk across portfolios, and developing strategies to approve or reject loan requests with confidence and consistency.

Key Responsibilities

• Conduct comprehensive credit assessments of SME financing applications through 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, outlining key risks, mitigants, and approval or rejection rationale.
• 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 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 Sales, Credit Operations, Legal, and other internal stakeholders to ensure efficient credit decision-making while maintaining strong risk controls.
• Ensure all lending activities comply with SAMA regulations, internal governance requirements, and Shariah-compliant financing principles.

Required Qualifications and Experience

Candidates for this role should possess 5-10 years of experience in a relevant credit risk management position.

• Strong understanding of invoice financing products and SME lending within a commercial financing environment.
• Good knowledge of the Saudi banking and financial services landscape, including credit bureau data and its application in credit assessment.
• Familiarity with the KSA regulatory environment and lending frameworks, including SAMA requirements and Shariah-compliant financing principles.

Essential Skills and Attributes

• Strong financial analysis and credit assessment skills, with the ability to interpret financial statements, cash flows, and borrower risk.
• Excellent analytical and problem-solving abilities, coupled with strong attention to detail and sound commercial judgment.
• Excellent communication and stakeholder management skills, including the ability to present clear credit recommendations effectively.

Work Type and Location

This is a full-time position based in Lendo's offices in Riyadh, Saudi Arabia.