Manager Financial Services Risk Management (credit

Job Summary

Manager Financial Services Risk Management (Credit Risk & Governance)

Languages: English (Mandatory) Arabic (Mandatory)

Experience: 812 years

Industry Focus: Banking and Financial Institutions

Job Summary

We are seeking a Manager to join EYs Financial Services Risk Management (FSRM) practice in Riyadh focusing on credit-risk management governance and portfolio oversight.

This role is designed for professionals with deep practical understanding of credit processes loan file reviews recovery procedures policies and governance frameworks. You will work with clients to assess the soundness of their credit portfolios strengthen credit-decisioning frameworks and design end-to-end operating models for risk governance monitoring and collections.

The position blends hands-on credit expertise with policy and procedural design making it ideal for someone with banking experience who wants to evolve into a trusted advisor on credit-risk transformation.

Key Responsibilities

1. Credit Portfolio Review & Quality Assessment

• Lead or participate in credit-file reviews to assess underwriting quality policy adherence and risk grading accuracy.
• Identify deficiencies in loan origination due diligence documentation and collateral management processes.
• Evaluate alignment of internal ratings and staging with regulatory and accounting standards (Basel IFRS 9).
• Prepare review reports highlighting findings root causes and recommendations for improvement.

2. Credit Governance Policy and Operating Model

• Design and update credit-risk governance frameworks including committee structures delegated authorities and escalation mechanisms.
• Develop or review credit policies and procedures ensuring alignment with regulatory expectations and risk appetite statements.
• Map end-to-end credit processes (origination approval disbursement monitoring early warning recovery and closure) and identify optimization opportunities.
• Define clear roles and responsibilities (RACI) across Business Risk Credit Administration and Recovery functions.
• Support the establishment of a three-lines-of-defense model for credit governance.

3. Recovery Restructuring & Collections Frameworks

• Design and enhance loan recovery and workout processes including restructuring procedures and write-off governance.
• Assess collection effectiveness collateral enforcement and provisioning triggers.
• Benchmark recovery procedures against best practice and regulatory requirements.
• Assist in creating Early Warning Systems (EWS) for deteriorating exposures.

4. Credit Monitoring & Reporting

• Develop or enhance frameworks for portfolio monitoring concentration analysis and watch-list management.
• Recommend improvements to MIS and reporting dashboards for Board and Credit Committees.
• Support implementation of risk appetite metrics and limit structures (e.g. LTV DSCR sector exposure limits).

5. Client Engagement & Delivery

• Manage project workstreams and teams conducting credit reviews policy design or target operating model assessments.
• Liaise with senior client stakeholders Chief Risk Officers Heads of Credit and Chief Credit Officers to ensure engagement success.
• Prepare and present findings recommendations and operating model blueprints to client leadership.

Skills and Attributes for Success

• Strong understanding of credit origination approval administration and recovery processes within banks.
• Experience in credit policy design procedural documentation and governance frameworks.
• Ability to evaluate portfolio quality identify process gaps and recommend practical risk-sensitive solutions.
• Familiarity with Basel credit-risk principles IFRS 9 staging and collections/recovery best practices.
• Excellent analytical writing and presentation skills.
• Ability to manage multiple engagements and coordinate across functions.

To Qualify for the Role You Must Have

• 812 years of experience in credit-risk management credit review or portfolio oversight ideally within a bank or consulting environment.
• Proven experience in reviewing corporate and SME credit files and assessing policy compliance.
• Exposure to designing or implementing credit policies and procedures.
• Degree in Finance Accounting Economics or Risk Management.

Ideally Youll Also Have

• Experience with collections and recovery operations including legal enforcement and restructuring.
• Knowledge of regulatory frameworks (SAMA CBUAE Basel).
• Exposure to developing credit-risk operating models or governance structures.
• Professional certifications such as FRM CFA or Credit Risk Certification.

What We Look For

A pragmatic detail-oriented credit professional who understands how credit really works in banks someone who can bridge credit policy with operational execution identify weaknesses in credit governance and design frameworks that are both compliant and practical.

Required Experience:

Manager

Key Skills

• Children Activity
• Graphic Designing
• Information Technology
• FX
• Airlines
• Asic

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