Head of Credit Risk

Job description

Build and lead TradePay's enterprise credit risk framework and governance. Define risk appetite, portfolio thresholds and escalation processes. Develop credit, collections, fraud and operational risk policies. Monitor repayment behavior, manage delinquency and collections governance. Establish provisioning, write‑off and portfolio monitoring frameworks. Review and approve credit overrides and exceptions. Collaborate with Data and Product teams to align underwriting models with risk policies. Create governance for merchant onboarding, fraud escalation, dispute resolution and collections. Develop reporting for management, investors and regulatory readiness. Support legal and compliance teams and lead risk committees while mentoring risk operations and collections staff

Requirements

• proficient in building enterprise credit risk frameworks
• experienced in defining risk appetite and portfolio thresholds
• knowledge of credit, collections, fraud and operational risk policies
• experience with monitoring repayment behavior and delinquency management
• proficient in provisioning and write‑off frameworks
• knowledge of credit override and exception processes
• experienced in collaborating with data and product teams
• proficient in governance of merchant onboarding, fraud escalation and dispute resolution
• experienced in preparing management and investor reporting
• knowledge of Saudi regulatory requirements
• proficient in supporting legal and compliance
• experienced in leading risk committees and mentoring risk operations and collections teams
• Jet
• Supply chains
• Risk management
• Stakeholder management
• Compliance

Skills