Credit Risk Analyst

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

• 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.

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

• 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

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.

• 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.

• 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.