REQUIREMENTS:

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• 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.

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

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.

ROLE & RESPONSIBILITIES:

• 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.