Credit Analyst

Job Summary

Tasks & Responsibilities

• Review, validate, and process credit applications submitted by customers, ensuring all required documentation is complete and accurate.
• Conduct financial analysis of applicants, including income verification, debt analysis, repayment capacity, and credit history assessment.
• Apply internal credit policies, risk frameworks, and regulatory guidelines to make informed credit decisions.
• Identify potential risks, red flags, and inconsistencies in applications, escalating cases when necessary.
• Communicate with internal teams (sales, operations, risk) to resolve missing information or discrepancies.
• Maintain accurate records of all processed applications, approvals, declines, and justifications.
• Support continuous improvement by providing feedback on process gaps and suggesting enhancements to credit evaluation procedures.
• Ensure compliance with company policies, data privacy standards, and local regulatory requirements

Qualifications And Experience

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related quantitative discipline.
• 3-5 years of experience in SME credit risk underwriting and analysis and financial statement analysis preferably within fintech, microfinance, banking, or payment services.
• Experience partnering with Collections, Credit Operations and Product teams to improve processes and products.
• Proficiency in Excel and Metabase.
• Strong understanding of SME risk assessment methodologies, and regulatory frameworks in Saudi Arabia.
• Excellent communication skills, both verbal and written.
• Ability to work independently, manage deadlines effectively, and maintain attention to detail.

Competencies

• Analytical thinking and problem-solving
• Ability to communicate ideas through data
• Effective time management and organizational skills
• High level of professionalism and integrity
• Collaborative team player

What We Offer You

• We believe you will love working at Owais!
• We have an inclusive and diverse culture that encourages innovation and flexibility in remote, in-office, and hybrid work setups.
• We offer highly competitive compensation packages, including the potential for shares.
• We prioritize personal development and offer regular training and an annual learning stipend to tackle new challenges and grow your career in a hyper-growth environment.
• We offer autonomy, mentoring, and challenging goals that create incredible opportunities for both you and the company.
• You will be given a lot of responsibility and trust. We believe that the best results come when the people responsible for a function are given the freedom to do what they think is best.