Credit Risk Analyst — Fintech Risk & Growth Partner

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

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