Senior Credit Analyst

Beehive; Muscat; On-site; OMR 12,000 - 18,000; Full time

Job summary

Beehive is seeking a credit risk professional to strengthen the credit infrastructure for SME lending. You will own end-to-end credit assessments, refine the proprietary model, and run stress tests to ensure ethical and timely decisions.

You will work on data-driven analyses, regulatory compliance, and continuous improvement while reporting to the Credit Manager. This is an on-site role in Muscat with a fast-paced, growth-oriented startup environment.

Qualifications

• Experience in credit risk, credit modeling, or a similar role in financial services or fintech.
• Advanced analytical and credit modeling skills.
• Understanding of credit regulations, risk metrics, and stress testing methods.
• Ability to work independently, prioritize, and take initiative.
• Detail-oriented and proactive about process improvements.
• Effective under pressure in a fast-paced environment.

Responsibilities

• Own credit assessments end to end, from data analysis to final recommendations.
• Deliver accurate, compliant assessments supporting lending strategy.
• Refine Beehive's credit model using internal data and market conditions.
• Run stress tests to assess model robustness across scenarios.
• Identify early credit issues and design scalable solutions.
• Review processes and performance, implement improvements independently.
• Present structured credit analysis to stakeholders.

Skills

Credit risk

Credit modeling

Data analysis

Regulatory compliance

Stress testing

Stakeholder comms

Report writing

Education

Bachelor's degree in Finance

Tools

Excel

SQL

Python

Job description

Strengthen Beehive's credit infrastructure through expert risk analysis, model management, and sound credit decision-making. You'll play a key role in refining our proprietary credit model and supporting high-quality lending decisions for SMEs.

What this role involves

You’ll bring a deep understanding of credit processes, SME risk trends, regulatory compliance, and data-driven decision-making. Your analytical skills and initiative will drive continuous improvement in our credit assessment framework, so that every evaluation is timely, ethical, and reliable.

The details

• Location: Muscat office (on-site)
• Reports to: Credit Manager
• Interview process: Two rounds, about 2–3 hours in total, completed within one week

Day to day, you will:

• Own credit assessments end to end, from data analysis through report preparation to final recommendations.
• Deliver accurate, compliant, and timely assessments that support the businesses lending strategy.
• Refine Beehive's proprietary credit model using internal performance data and external market conditions.
• Run stress tests to measure how the model holds up across different economic scenarios and SME-specific risks.
• Spot credit issues early and design scalable solutions to address them.
• Review credit processes and performance regularly, identify improvements, and implement them independently.
• Present clear, structured credit analysis to stakeholders across the business.
• Seek out and give feedback to raise individual and team performance.
• Uphold confidentiality and high ethical standards in all credit evaluation and data handling.

This might be you if you:

• Have experience in credit risk, credit modeling, or a similar role in financial services or fintech.
• Have advanced analytical and credit modeling skills.
• Understand credit regulations, risk metrics, and stress testing methods.
• Work independently, prioritize well, and take initiative without waiting for direction.
• Are detail-oriented and proactive about improving processes.
• Stay effective under pressure in a fast-paced environment.

Beehive is one of the longest-standing and fastest-growing startups in the MENA region. We're a people-first company that believes in empowering our team.