Credit Risk Assessment Consultant – Auto Financing

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. 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. 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 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 Apply tot his job