Risk & Credit Manager

We are seeking an experienced Risk \& Credit Manager to lead the development and management of enterprise risk and credit frameworks within a regulated financial services environment.

The role will be responsible for establishing the Enterprise Risk Management (ERM) framework, developing credit policies and underwriting standards, managing credit scoring and decision models, and overseeing portfolio\-level risk. The successful candidate should combine strong credit and quantitative expertise with senior\-level risk governance and regulatory experience.

Key Responsibilities

• Design and implement an Enterprise Risk Management (ERM) framework covering credit, operational, market, liquidity, strategic, reputational, and technology risks.
• Develop and maintain credit policies, including eligibility criteria, exposure limits, pricing methodology, underwriting standards, and approval authorities.
• Design and manage credit scoring models and decision engines, including automated approvals, manual reviews, and decline criteria.
• Establish portfolio monitoring frameworks covering delinquency, concentration risk, credit performance, and emerging portfolio trends.
• Conduct periodic risk assessments and establish appropriate mitigation and control plans.
• Perform stress testing and scenario analysis to assess portfolio resilience and support risk appetite decisions.
• Review new products, services, and business initiatives from a risk and control perspective.
• Work with finance teams on provisioning methodologies and credit loss calculations.
• Integrate fraud risk monitoring into the broader risk management framework.
• Monitor compliance with applicable regulatory requirements, prudential limits, exposure limits, concentration limits, and capital adequacy requirements.
• Develop risk dashboards, management reports, and early\-warning indicators for senior management.

Experience \& Qualifications

• Minimum 10 years of experience in risk management and/or credit management within financial institutions.
• Minimum 5 years of experience in a senior risk or credit leadership position.
• Proven experience developing or implementing credit scoring models and credit decision engines for lending portfolios.
• Strong experience in credit portfolio management and portfolio\-level risk oversight.
• Demonstrated experience establishing risk frameworks and credit policies from inception.
• Strong knowledge of financial risk management, credit risk modelling, risk governance, and regulatory requirements.
• FRM or PRM certification required. CFA is considered an advantage.
• Bachelor’s degree in Finance, Economics, Risk Management, Statistics, or another relevant quantitative discipline.
• Master’s degree is preferred.
• Fluency in Arabic and English is required.

Application Question(s):

• Do you have hands\-on experience developing or implementing credit scoring models and/or automated credit decision engines for lending portfolios ?
• Which of the following professional certifications do you have ?

Work Location: In person