Credit Risk Assessment Consultant Auto Financing

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 :

Nice-to-Have Skills :