Head of Credit Operations

Head of Credit Operations – Driving Excellence in Digital Mortgage Lending

At our innovative fintech platform, we are revolutionizing mortgage lending through a seamless, fully digital, and customer-centric experience. As the Head of Credit Operations, you will play a pivotal role in shaping the future of credit underwriting, disbursement, and post-disbursal account management. This strategic position demands a dynamic leader who thrives in fast-paced environments, ensuring operational efficiency, regulatory compliance, and unparalleled service delivery across the entire credit lifecycle.

In this transformative role, you will oversee the end-to-end credit operations, from application submission to post-disbursal account maintenance, while fostering collaboration between internal teams and external partners. Your expertise will be instrumental in refining workflows, optimizing digital processes, and maintaining robust vendor relationships—particularly with certified real estate valuation agencies—to deliver timely, accurate, and compliant mortgage solutions.

Key Responsibilities

Your leadership will drive the following critical functions:

• End-to-End Credit Process Coordination: Lead the seamless execution of digital credit underwriting, ensuring documentation verification, eligibility validation, and application completeness are meticulously managed from start to finish.
• Digital Disbursal Management: Oversee the preparation, review, and maintenance of disbursal packages, guaranteeing all pre-conditions are met before fund releases while adhering to stringent security and regulatory standards.
• Documentation & Data Integrity: Ensure all customer documents are validated, digitized, and securely stored in compliance with data protection and regulatory frameworks, maintaining immaculate records throughout the credit lifecycle.
• Vendor & Agency Relationships: Own and cultivate strategic partnerships with certified real estate valuation agencies, including onboarding, performance tracking, SLA compliance, and proactive issue resolution to uphold quality and timeliness.
• Cross-Functional Collaboration: Partner with underwriting, legal, and finance teams to streamline workflows, enhance platform efficiency, and implement automation initiatives that reduce operational risks.
• Post-Disbursal Account Management: Manage disbursal-trench activities, condition tracking, documentation follow-ups, and system updates to ensure smooth account maintenance and customer satisfaction.
• Compliance & Audit Support: Assist in audit preparation, compliance checks, and reporting to meet regulatory requirements (e.g., KYC, AML, mortgage-specific guidelines) while aligning with internal control policies.
• Process Optimization & Risk Mitigation: Contribute to process documentation, automation enhancements, and operational risk reduction strategies to future-proof credit operations in a rapidly evolving fintech landscape.
• Stakeholder Communication: Act as the primary point of contact for internal and external inquiries related to finance status, documentation, and process timelines, ensuring transparency and responsiveness.

Qualifications & Skills

We are seeking a seasoned professional with a proven track record in credit administration and mortgage operations, coupled with a passion for digital transformation. Essential requirements include:

• A Bachelor’s degree in Finance, Business, Accounting, or a related field, complemented by 5+ years of experience in credit administration, finance operations, or mortgage lending—preferably in Murabaha/Ijarah structures for Ready-to-Move, Off-Plan, or Self-Construct properties within a fintech or banking environment.
• Deep expertise in the Saudi home-financing market, including pricing strategies, regulatory frameworks, legal requirements, and industry dynamics.
• A solid understanding of digital finance origination systems, credit workflow automation, and document validation processes to drive efficiency in a fully digital mortgage platform.
• Proven experience in coordinating real estate valuation processes and managing vendor relationships, ensuring high-quality property appraisals and adherence to SLAs.
• Exceptional organizational and analytical skills, with the ability to multitask, manage complex deadlines, and maintain precision under pressure.
• Outstanding interpersonal and written communication skills, enabling effective collaboration with internal stakeholders, external agencies, and cross-functional teams.

While not mandatory, the following skills will be highly valued:

• Experience in a fully digital mortgage or consumer lending platform, with exposure to fintech tools, automation platforms, or API-based systems.
• Working knowledge of property collateral documentation and real estate risk assessment methodologies.
• Familiarity with regulatory requirements such as KYC, AML, and LTV guidelines, as well as vendor performance management frameworks.
• A start-up mindset, characterized by adaptability, resourcefulness, and comfort navigating ambiguity in a dynamic, high-growth environment.

If you are a strategic thinker with a passion for operational excellence and a commitment to shaping the future of digital lending, we invite you to join our mission. Help us redefine mortgage lending—one seamless, compliant, and customer-focused transaction at a time.