Senior Credit Analyst

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.

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.

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

• 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.

• 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.