Credit Risk Analyst - Fintech Startup

Risk AnalystAbout eraderad is on a mission to grow the digital economy of the Middle East. We provide non-dilutive funding to online businesses, within 48 hours. We underwrite these businesses by accessing their accounting, sales, payments, and marketing data. Our data-driven approach enables online businesses to streamline their source of capital while focusing on growing their business.About the Risk TeamRisk assessment, data science expertise, and robust credit capabilities are our core strengths. We aim to maintain control over credit losses while providing outstanding service to our customers. These capabilities are constantly developing, and we continue to use advanced tools to make precise decisions.As a Risk Analyst, you will be a crucial member of our risk team, working closely with the Data Scientist and Risk Lead. Your role involves closely monitoring risk-related parameters in our application process and the performance of our credit assessments, with a focus on managing credit and fraud losses and optimizing the customer experience.Being one of the early members of the erad team, you have a unique opportunity to contribute to developing and enhancing our credit assessment capabilities from the ground up. Your contributions will significantly enhance our organization's value proposition.???? Why erad?A small team of young and driven individualsOne of the first Saudi startups to be backed by Y CombinatorBacked by Khawarizmi Ventures, VSQ, Nuwa Capital, and reputable angel investorsMission-driven organization introducing new fintech products to the region???? Your responsibilitiesPerform thorough credit risk assessments of applicants within our application process.Analyze and evaluate financial data, credit reports, and other relevant information to make informed credit decisions.Monitor and assess the performance of credit assessments, with a focus on managing credit and fraud losses.Collaborate with the Data Scientist and Risk Lead to improve and refine our credit assessment capabilities.Assist in optimizing the customer experience while maintaining a strong risk control framework.Contribute to the development and enhancement of credit assessment tools and methodologies.Maintain accurate records and documentation related to credit assessments.???? What we look forBachelor's degree in finance, economics, or a related field.Basic understanding of credit risk assessment principles is a plus.Proficiency in Microsoft Excel and other relevant software applications.Ownership and accountability, a passion and drive to own things and see them throughDriven by a willingness to achieve ambitious targets and goalsExcellent communication skills, both written and verbal.Ability to learn new concepts and apply them to the job.Ability to work as part of a team.0-3 years of work experience in finance or credit.????. BenefitsCompetitive salary + stock options + equipment + cool team