Auto-Financing Risk Assessment Credit Officer Consultant

Role Summary:

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.

• 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.

• 1. 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.

• 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

• 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

• Experience designing or reviewing credit approval workflows (manual or automated)
• Can define stages like: pre-screening → document check → scoring, → final offer

• 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

• 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