Credit Risk Manager

Credit Risk Manager – Drive Financial Empowerment with Strategic Risk Leadership

Join Flooss, a pioneering microfinance platform redefining financial accessibility through cutting-edge technology and transparent practices. As a Credit Risk Manager, you will play a pivotal role in shaping Flooss’s credit risk framework, ensuring responsible lending while fostering inclusive financial growth. This dynamic role demands a blend of analytical rigor, strategic foresight, and collaborative leadership to optimize credit decisions, mitigate risks, and align with regulatory standards—all while empowering individuals and small businesses to achieve financial stability.

In this full-time, on-site position based in Riyadh, you will be at the forefront of Flooss’s mission to democratize financial services. Your expertise will drive the development of robust credit policies, data-driven risk models, and performance monitoring systems, ensuring a balanced risk-return profile that supports sustainable lending. By leveraging advanced analytics and behavioral insights, you will refine approval processes, minimize defaults, and enhance portfolio profitability—all while maintaining Flooss’s commitment to transparency and innovation.

Key Responsibilities

• Develop and Implement Credit Risk Strategies: Design, refine, and enforce credit policies that align with Flooss’s business objectives and regulatory requirements, ensuring a scalable and adaptive risk framework.
• Analyze and Model Risk: Utilize financial and behavioral data to build predictive risk models, scoring systems, and performance metrics that enhance decision-making and approval efficiency.
• Monitor Portfolio Health: Track loan performance, identify emerging trends, and proactively adjust strategies to maintain a resilient and profitable credit portfolio.
• Collaborate Across Teams: Partner with product, operations, data science, and compliance teams to integrate risk considerations into product development, operational workflows, and regulatory reporting.
• Support Audits and Compliance: Prepare comprehensive risk reports, facilitate internal and external audits, and ensure adherence to best practices in credit risk management.
• Innovate for Impact: Continuously evaluate and improve risk processes, leveraging Flooss’s smart technology platform to enhance decision-making and user experience.

Why This Role Matters

At Flooss, you won’t just manage risk—you’ll shape the future of accessible finance. Your work will directly contribute to the financial inclusion of underserved individuals and small enterprises, fostering economic mobility in a rapidly evolving digital landscape. By combining your expertise in credit risk with Flooss’s innovative approach, you’ll drive meaningful impact while advancing your career in a mission-driven, high-growth environment.

Qualifications and Skills

We are seeking a detail-oriented, analytical leader with a passion for financial innovation. Ideal candidates will possess:

• Proven Credit Risk Expertise: Extensive experience in credit management, risk assessment, and portfolio monitoring, with a track record of designing frameworks that balance approval rates and default mitigation.
• Advanced Analytical Acumen: Strong background in finance, economics, or related fields, with proficiency in data analysis tools (e.g., Excel, SQL, Python) and experience in building risk models or scoring systems.
• Industry-Specific Knowledge: Familiarity with consumer lending, SME lending, or fintech environments, ideally within banking or microfinance sectors, to navigate the unique challenges of inclusive lending.
• Education and Certifications: Bachelor’s degree in Finance, Economics, Business, Statistics, or a related discipline; professional certifications such as FRM (Financial Risk Manager) or CRM (Credit Risk Manager) are highly advantageous.
• Technical Proficiency: Hands-on experience with financial modeling, statistical analysis, and risk assessment tools to derive actionable insights from complex datasets.
• Stakeholder Engagement: Exceptional communication skills to translate technical findings into clear, actionable recommendations for diverse audiences, from executive leadership to cross-functional teams.
• Ethical Integrity and Judgment: A strong commitment to ethical practices, attention to detail, and the ability to thrive in a fast-paced, collaborative environment where innovation meets responsibility.

If you are a strategic thinker with a passion for financial empowerment and a desire to make a tangible difference, we invite you to be part of Flooss’s journey in redefining the future of credit risk management.