Job Description

Role Summary:

We are seeking a consultant to advise on the development of our auto-financing risk assessment logic, with a focus on affordability, creditworthiness, and data-driven decision-making.
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Role & Responsibilities:

At least 7 years of experience in risk management, with a strong preference for backgrounds in consumer lending or auto-financing. Advise on DBR calculation, income/obligation evaluation, and risk tiers. Review and refine credit approval frameworks. Provide market and regulatory insight to guide model assumptions. Validate proposed policies against market data and SAMA expectations. Design customer segmentation logic based on risk and affordability profiles to guide product eligibility criteria. Collaborate with data and engineering teams to translate risk logic into actionable rule engines and scoring models. Define and monitor key credit KPIs, such as approval rate, default risk, early delinquency, and portfolio performance. Support stress testing scenarios to assess the resilience of credit models under macroeconomic shifts. Review third-party data sources (e.g., Open Banking, SIMAH, employer databases) for integration into credit decision-making. Ensure credit policies comply with evolving SAMA regulatory frameworks and align with Sandbox expectations.
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Requirements:

1. Credit Risk Analysis:

Experience with

consumer credit evaluation

, ideally in

auto-financing

or

personal loans

Understanding of

DSR (Debt Service Ratio)

,

loan-to-value

,

credit scoring models

, and

affordability checks

Ability to

design or review credit policies

for used cars, salaried vs. self-employed, etc.

2. Familiarity with SAMA Regulations:

Working knowledge of

SAMA's financing regulations

, including

Fair Credit Terms

,

KYC

,

AML

, and

consumer protection

Understanding how

credit decisions

must align with

regulatory compliance

in KSA

3. Data & Tech Fluency:

Comfort working with

credit data inputs

from:

SIMAH / Bayan Credit Bureau

Open Banking

APIs (e.g., income and obligation analysis) Can work with or define

eligibility models

, and help refine your

risk engine logic

Familiarity with basic

Excel modeling

and tools like

Power BI / Looker / Metabase

for analyzing credit outcomes

4. Process & Workflow Design:

Experience designing or reviewing

credit approval workflows

(manual or automated)
Can define stages like: pre-screening document check scoring,final offer

5. Stakeholder Alignment:

Able to

collaborate with tech, ops, and compliance

teams to ensure credit logic is embedded in product design Experience working with

LOS (Loan Origination Systems)

or

CRM systems

is a plus
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Nice-to-Have Skills:

Prior work at a

BNPL, auto-leasing, or consumer finance company

Can help with

pilot program design

to test risk logic in-market * Familiarity with

machine learning basics

to support collaboration with data teams on smarter credit models