Credit Risk Analyst

HALA; Riyadh; On-site; SAR 120,000 - 180,000; Full time

Job summary

HALA is seeking a Credit Risk Analyst to assess creditworthiness and evaluate risks for financing applications and customer exposures. You will ensure accurate risk analysis, adherence to credit policies, and informed financing decisions to support sustainable business growth.

Collaborate with Financing, Sales, and Operations to monitor portfolios, identify delinquency signals, and contribute to the continuous improvement of risk assessment methods, ensuring portfolio quality and compliant

Qualifications

• 1–2 years of experience in credit risk analysis, credit assessment, financial analysis, or similar roles.
• Knowledge of credit policies, financing procedures, and risk assessment frameworks.
• Understanding of financial regulations and relevant KSA regulatory requirements.
• Proficient in financial analysis tools.

Responsibilities

• Analyze financing applications and assess customer creditworthiness based on financial information, credit history, and relevant risk indicators.
• Evaluate credit risk exposure and recommend appropriate financing decisions, credit limits, and terms per policy.
• Review financial statements, transaction data, and supporting documents to identify risks and assess repayment capacity.
• Monitor portfolios to identify changes in credit quality and signs of delinquency.
• Prepare credit assessment reports and provide data-driven recommendations to support financing approvals.
• Ensure credit assessments comply with internal policies and regulatory requirements.
• Collaborate with Financing, Sales, and Operations teams to support timely decisions.
• Contribute to continuous improvement of credit assessment procedures and risk evaluation methodologies.

Skills

Credit risk assessment

Creditworthiness evaluation

Financial statement analysis

Credit scoring & risk rating

Credit policies & risk frameworks

Financial analysis tools

KSA regulations

Job description

Experience

1–2 years of experience in credit risk analysis, credit assessment, financial analysis, or similar roles, preferably within a fintech, payments, or financing company.

Skills

Technical Skills:

• Credit risk assessment and creditworthiness evaluation.
• Financial statement analysis and interpretation of financial data.
• Credit scoring, risk rating, and exposure assessment.
• Knowledge of credit policies, financing procedures, and risk assessment frameworks.
• Intermediate in financial analysis tools.
• Understanding of financial regulations, credit risk controls, and relevant KSA regulatory requirements.

Soft Skills:

• Strong analytical thinking and decision-making abilities.
• Attention to detail and accuracy in financial assessments.
• Effective communication and collaboration with internal stakeholders.

Core Competencies

• Process Optimization & Innovation – Proficiency Level: Advanced
• Collaboration & Stakeholder Engagement – Proficiency Level: Advanced
• Strategic Thinking & Execution – Proficiency Level: Moderate
• Business Acumen & Operational Efficiency – Proficiency Level: Moderate

2. Key Job Responsibilities

Job Summary

At Hala, the Credit Risk Analyst is responsible for assessing creditworthiness and evaluating potential risks associated with financing applications and customer exposures. This role ensures accurate risk analysis, adherence to credit policies, and informed financing decisions to support sustainable business growth.

Job Duties

Collective Responsibilities

• Comply with HALA’s code of conduct and ethics.
• Promote HALA’s vision, mission, values and model desired behaviors.
• Promote HALA and spread its culture.
• Commit to HALA’s rules and regulations.
• Perform tasks as directed in the pursuit of the achievement of organizational goals.
• Share with team know-how and encourage their development.

Job-Specific Responsibilities

• Analyze financing applications and assess customer creditworthiness based on financial information, credit history, and relevant risk indicators.
• Evaluate credit risk exposure and recommend appropriate financing decisions, credit limits, and terms in accordance with established credit policies.
• Review financial statements, transaction data, and other supporting documents to identify potential risks and assess repayment capacity.
• Monitor existing financing portfolios to identify changes in credit quality, emerging risk patterns, and potential signs of delinquency.
• Prepare credit assessment reports and provide data-driven recommendations to support financing approval decisions.
• Ensure credit assessments comply with internal policies, applicable regulatory requirements, and relevant KSA financing regulations.
• Collaborate with the Financing, Sales, and Operations teams to facilitate credit assessments and support timely financing decisions.
• Contribute to the continuous improvement of credit assessment procedures and risk evaluation methodologies to strengthen portfolio quality and minimize potential credit losses.