Credit Analyst

Role Purpose

Support O Finance’s Credit function in assessing loan applications, analyzing applicants’ financial profiles and ensuring sound credit decisions in line with internal credit policies and BDL requirements.

 

Key Responsibilities

• Analyze loan applications, income, financial commitments and credit reports.
• Assess applicants’ repayment capacity, DBR and overall credit risk.
• Prepare clear credit analysis and recommendations for review and approval.
• Verify completeness and consistency of supporting documentation.
• Apply O Finance credit policies, scoring tools and lending criteria.
• Support monitoring of the loan portfolio, repayment behavior and emerging credit risks.
• Maintain accurate credit records and system information.
• Work closely with Credit, Risk, Operations and Compliance teams.

 

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration or related field.
• 3–5 years of relevant experience, preferably in a bank, financial institution or consumer lending company.
• Good knowledge of credit analysis, retail lending and financial assessment.
• Familiarity with BDL regulations and lending requirements.
• Strong analytical skills, accuracy and attention to detail.
• Proficiency in Microsoft Office, particularly Excel.
• Fluent in Arabic and English; French is a plus.