Head of Risk; Fintech

Overview

This is a regulated Head of Risk role in a licensed financial services environment operating under the Saudi Central Bank framework.

The Risk Management Framework is already in place.

What is required now is not a builder from scratch — but a disciplined, credible risk leader who can strengthen, refine, and defend it.

You will take ownership of the existing Enterprise Risk Management structure in Saudi Arabia and elevate its effectiveness.

This is a hands-on individual contributor role.

You will work closely with senior management, compliance, business, and technology teams to ensure the organization remains regulator-ready at all times.

You will:

• Maintain and enhance the existing Risk Management Framework
• Own and continuously improve the Risk Register
• Refine and monitor the Risk Appetite Statement and KRIs
• Oversee operational, technology, and third-party risks
• Conduct risk assessments for new initiatives and product changes
• Prepare structured, defensible risk reports for senior management
• Support regulatory engagement with SAMA
• Ensure risk governance remains practical, proportionate, and effective

The expectation is clarity, structure, and regulatory confidence — not bureaucracy.

• 5–8 years of risk management experience within a SAMA-regulated financial services environment (fintech, payments, digital banking, or lending preferred)
• Direct exposure to SAMA regulatory requirements and inspections
• Practical ownership of Risk Appetite frameworks and Risk Registers
• Strong operational risk experience (beyond pure credit or market risk)
• Experience managing third-party / outsourcing risk
• Confidence presenting risk matters to senior management