Credit Risk Management

Making Confident, Data-Driven Credit Decisions

Effective credit risk management is central to financial stability, portfolio performance, and regulatory compliance. As Saudi Arabia’s licensed credit bureau, SIMAH enables organizations to assess creditworthiness with accuracy, consistency, and transparency, supporting responsible lending across consumer and commercial markets. By aggregating verified credit data from across the financial ecosystem, SIMAH helps institutions evaluate risk exposure, anticipate potential defaults, and make informed decisions throughout the credit lifecycle, from onboarding and approval to monitoring and recovery.

1. Consumer Credit Report

A Consumer Credit Report provides a consolidated view of an individual’s credit behavior across financial and service providers in Saudi Arabia. It helps organizations assess creditworthiness by presenting verified data on existing obligations, repayment patterns, and risk indicators. Powered by SIMAH’s nationwide data coverage, these reports support responsible lending, risk mitigation, and compliant decision-making across multiple consumer-facing industries.

2. Commercial Credit​ Report

SIMAH’s Commercial Credit Reports provide a consolidated view of a company’s credit standing, enabling institutions to assess financial reliability, exposure, and business risk with confidence. Drawing from verified, nationwide data sources, these reports support informed decisions across lending, trade credit, partnerships, and regulatory compliance, helping organizations manage risk while enabling sustainable growth.

3. Comprehensive Report
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What Is Scoring and Alert Monitoring?

Scoring and Alert Monitoring combine advanced analytics with continuous credit oversight to help organizations anticipate risk and respond proactively. SIMAH’s scoring models transform credit data into clear, standardized risk indicators, while alert monitoring tracks meaningful changes in credit behavior over time. Together, they enable institutions to detect early warning signals, reassess exposure dynamically, and maintain stronger control across consumer and commercial portfolios, without relying solely on point-in-time credit checks.

1. Consumer Credit Score

The SIMAH Credit Score is a numerical indicator that reflects an individual’s creditworthiness based on their financial behavior. It is calculated using data reported by banks, finance companies, and other authorized credit providers across the Kingdom. The score helps lenders quickly assess risk, while enabling consumers to understand how their credit history may influence access to financial products. Updated regularly, the score provides a reliable snapshot of how responsibly credit obligations are managed over time.

2. Consumer Alerts Management

Consumer Alerts Management enables institutions to actively track changes in a consumer’s credit profile and respond before risks escalate. By continuously monitoring credit behavior, SIMAH helps organizations stay informed of significant developments such as payment irregularities, new obligations, or profile updates. This proactive approach supports better risk control, timely engagement, and more informed credit decisions across the customer lifecycle.

3. Commercial Credit Score

SIMAH’s risk-based scoring model empowers organizations to make informed business decisions by providing a clear, data-driven view of a company’s creditworthiness. Built on comprehensive commercial credit data, the model helps assess financial behavior, predict risk, and support consistent decision-making across lending, trade, and partnership activities.

4. Commercial Alerts Management

Real-Time Business Credit Monitoring for Smarter Risk Control Commercial Alerts Management enables organizations to continuously monitor the credit health of businesses they engage with. By delivering timely updates on critical credit events, SIMAH helps institutions move from reactive risk handling to proactive decision-making. These alerts provide early visibility into financial stress, behavioral shifts, and exposure changes, allowing stakeholders to act before risks escalate and impact portfolios or operations.

Scoring & Alert Monitoring

Software & Analytics

1. Consumers Batch Enquiry

Consumers Batch Inquiry enables organizations to retrieve credit information for large groups of consumers in a single, secure request. Instead of processing individual inquiries one by one, institutions can assess hundreds or thousands of consumers efficiently while maintaining full regulatory compliance.

Designed for high-volume use cases, the service supports faster decision-making, consistent data delivery, and streamlined operations across onboarding, risk assessment, and portfolio reviews.

2. SIMAH 360

SIMAH 360 is an advanced analytics and intelligence platform that brings together credit data, behavioral insights, and market benchmarks into a single, unified view. It enables institutions to move beyond static reports and gain a holistic understanding of portfolios, customer behavior, and emerging risks.

Designed for data-driven decision-making, SIMAH 360 supports proactive monitoring, trend analysis, and strategic planning across the credit lifecycle. By combining real-time insights with historical data, organizations can strengthen oversight, improve performance, and respond faster to change.

3. Commercial Batch Enquiry

Commercial Batch Inquiry enables organizations to assess, monitor, and evaluate multiple commercial entities efficiently through a single, secure submission. It is designed for institutions that manage high-volume corporate assessments and require consistent, reliable credit intelligence at scale.

By consolidating bulk commercial checks into one streamlined process, the service supports faster decision-making, improved risk oversight, and stronger portfolio governance, without compromising data security or regulatory compliance.

4. Smart Suite

Smart Suite is SIMAH’s integrated portfolio of advanced analytics and decision-support tools designed to strengthen institutional credit risk management. It brings together data, insights, and intelligence to help organizations assess risk more accurately, monitor exposure proactively, and make informed credit decisions at scale.

By combining SIMAH’s trusted data foundation with analytical capabilities, Smart Suite supports financial institutions across the full credit lifecycle, from onboarding and evaluation to monitoring and portfolio optimization, while maintaining strict compliance with regulatory and governance requirements.

5. Benchmark Reports

Benchmark Reports provide organizations with a clear, comparative view of their performance against relevant market, sector, and peer benchmarks. By leveraging aggregated and anonymized national credit data, these reports help institutions understand where they stand, identify gaps, and track trends over time.

Designed for strategic, risk, and regulatory decision-making, Benchmark Reports transform complex credit data into actionable intelligence. They support evidence-based planning, portfolio optimization, and transparent reporting across financial and non-financial sectors.

6. TAQEEM+

TAQEEM+ is SIMAH’s advanced credit scoring solution designed to help financial institutions evaluate risk with greater precision and confidence. Built on robust national credit data and enhanced analytics, TAQEEM+ delivers consistent, transparent, and actionable credit scores that support smarter lending decisions across diverse portfolios.

By combining historical behavior, current obligations, and broader market indicators, TAQEEM+ enables institutions to move beyond static assessments and adopt a more dynamic, data-driven approach to credit evaluation.

1. MOARIF

Establishing Global Identity for Saudi Legal Entities

MOARIF is SIMAH’s official platform for issuing and managing Legal Entity Identifiers (LEIs) in Saudi Arabia. LEIs provide a globally recognized standard for identifying legal entities participating in financial transactions, enhancing transparency across domestic and cross-border markets. Learn More​

2. Moody’s CreditView

Moody’s CreditView provides access to reliable, in-depth credit and financial insights on companies worldwide.

The service supports creditworthin​ess assessment, financial risk analysis, and ongoing monitoring of international corporate performance, enabling organizations to make informed financing and investment decisions based on globally trusted data.

3. GCC Reports

Provide organizations with reliable, cross-border credit intelligence on businesses operating across Gulf Cooperation Council markets. By consolidating regional data into a single, standardized report, SIMAH enables institutions to assess creditworthiness, monitor exposure, and support informed decision-making across borders. These reports are designed to reduce uncertainty when engaging with regional counterparties and to strengthen risk management in lending, trade, and investment activities. ​

Global Profiling

3rd Party Services

SIMAH’s Third Party Services extend the value of credit data by securely integrating verified external information sources into the credit decision journey. These services enable institutions to validate income, business credentials, and financial disclosures through trusted partners, enhancing accuracy and confidence in assessments. By complementing SIMAH’s core credit data, third party services help organizations streamline verification processes, reduce manual checks, and make faster, better-informed decisions while maintaining compliance with regulatory and data governance standards.

1. Salary Certificate

SIMAH’s Salary Certificate is a digital income verification service that enables institutions to access accurate, trusted salary information directly from official sources.

It simplifies income validation, reduces reliance on manual documents, and supports faster, more confident financial and administrative decisions.

2. Qawaem​