Credit Sanction Officer/Underwriting Officer

Our Client
Our client is a fast-growing online platform for financing small and medium-
size businesses

Role Purpose:
The Credit Sanction Officer will manage all aspects of credit underwriting.
Reporting to the CRO, the role is a key within Risk function
Amongst other risks, the Risk function is responsible for complete end-to-end
credit risk management across all trading activities, and underwriting credit
lines (on an unsecured basis) supporting business customers.
Our client plans to operate a single underwriting function with all
underwriting (vetting) services supporting multi-product credit decisions.
Therefore, the role holder will have exceptional underwriting experience
across multiple product types including receivables finance, payables finance,
invoice discounting, buy now pay later, and cards.
They intend to support over ‎100,000+ micro-enterprises and SMEs in Saudi
Arabia and it is deploying technology (including scorecards) to help drive
improved quality and speed of decision. Ultimately fully digital (online)
onboarding and underwriting journey for micro and SME customers is a near-term
ambition to provide scalable growth and a better customer experience.
The role holder will be a crucial member of the Risk Leadership Team (RLT),
and are expected to lead by example, working collaboratively with RLT peers to
deliver against Credit and strategic goals.

Responsibilities & Activities:
* Responsible for leading underwriting within the Risk function, managing new customer acquisition decisions as well as in-life changes (either upsell or cross-sell to another product or service)
* Accountable for delivering decisions within SLAs
* Responsible for managing all aspects of (application) credit risk, and credit fraud risk and mitigation, from identifying application fraud, setting policies through to continually improving policies and systems to mitigate against attacks. It is assumed the role holder will actively collaborate with the MLRO and the CRO
Requirements - Skills and experience:
This role will suit a Credit professional with an entrepreneurial and
commercial mindset, capable of rolling up their sleeves, driving change and
building new capability within a rapidly growing fintech.
The pace of growth and diversification of products and services, along with
its regional ambitions, provides significant opportunity for this individual
to add real value and take their career forwards and fast.
* Credit management, banking or accountancy experience and qualification
* Experience working within and managing a Credit Underwriting function within a B2B environment
* Experience within a regulated market would be ideal

Leadership credentials and a proven track record of building, leading and
developing teams to achieve outstanding results within a Credit underwriting
function.

Halian Group
With over ‎20 years of experience, we have come to understand that innovation
is the only way to provide agile, practical solutions that transform
businesses and careers.
Our resourcing and smart services help you to realize tomorrow's potential.
Discover the amazing things possible when you bring the right people and the
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