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Credit Risk Assessment Consultant Auto Financing

Credit Risk Assessment Consultant Auto Financing

SOUMCincinnati, OH, US
3 days ago
Job type
  • Full-time
Job description

Credit Risk Assessment Consultant Auto Financing

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 :

  • 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.
  • 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
  • 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
  • Process & Workflow Design :
  • Experience designing or reviewing credit approval workflows (manual or automated)
  • Can define stages like : pre-screening ? document check ? scoring, ? final offer
  • 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
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    Financing Financing • Cincinnati, OH, US