Rize is a groundbreaking rent-now-pay-later platform reshaping the rental landscape in Saudi Arabia. Were dedicated to making rentals more accessible and affordable, enabling tenants to manage their finances with ease and landlords to secure their income effortlessly. Were on a mission to revolutionize the rental industry, breaking down barriers and creating opportunities for all. Were a team of innovators, thinkers, and problem-solvers, committed to creating a positive impact and driving change in the market. Our Team We love working together, being creative, and doing things differently! Our team is made up of over 20 people with different nationalities. We work from a cozy office in Riyadh, Saudi Arabia. And hey, were not just smart—were really good at coming up with new ideas! Plus, you can work from wherever you want because we like to keep things flexible. Our core values & Principles Innovation – We’re a technology-driven team with the purpose of uplifting the real estate sector. We are the leaders of the industry in innovation. Customer Centricity – We put the customer at the core of every decision and action. Adaptability - Being able to adapt quickly to changing market conditions and customer needs. Empowerment & Collaboration – Our team is the most valuable aspect of the company; We respect all ideas, our team enjoys authority, autonomy, and collaboration. Ethical Excellence - We perform within the highest ethical standard. Job SummaryWere on the lookout for our first Analyst to join our lovely Risk team, guided by our amazing Head of Risk. This role is tailor-made for individuals who are bright, imaginative, and keen to develop their skills within the Risk team. Prior experience in Fin-tech and B2C Buy-Now-Pay-Later industry is preferred.As a Credit Risk Analyst, youll mainly assess and read our potential tenants’ credit risk portfolios. While your main focus will be on tracking collections history, and Portfolio Analysis, youll also liaise between other team members to improve and automate processes and steps. What will you be doing?Analyze prospective tenants credit history and businesses financial statements to determine the risk involved in extending Rizes RNPL product. Report tenants commitments in the Simah Portal in a timely and accurate manner. Monitor collections, maintain detailed reports, and communicate findings to management. Develop, implement, and oversee the collection process, ensuring the team meets set KPIs. Predict and evaluate potential risks involved with specific transactions and improve fraud detection. Collaborate with the leasing team to ensure potential tenants meet Rizes credit criteria. Prepare reports detailing risk assessment findings and suggest changes to Rizes credit policies. Work with the team to enhance and automate assessments and Collections analytics while supporting the implementation of collections strategies and monitoring their performance. Help designing and developing reports and dashboards to present insights and set anomaly alerts according to monitoring rules. Deliver insights and optimisation of our risk performance. Requirements Youre a perfect match if you have1 Year of experience in credit risk, specially in B2C Individual loan financing sector Preferably coming from the Fintech scene in the “Buy-Now-Pay-Later” sector. Startups mindset with smart, flexible, innovative, and growth mindset. Understanding of the use of Simah Fluency in Arabic and English. Benefits What do we offer? Competitive salary - Receive a competitive salary package in USD or SAR, reflecting your skills and contributions in our industry. Diverse International team - Join a diverse international team where different perspectives and backgrounds enrich our collaborative culture. Flexibility - Enjoy the option to work full remote or hybrid, allowing you to balance work and life in a way that suits you best. Innovation - Shape the future of Proptech with your groundbreaking ideas and technological prowess. Direct Impact - See your ideas come to life and make tangible changes in an industry ripe for revolution. Fast-paced Learning - Grow personally and professionally every day with opportunities to master new skills in our dynamic start-up environment. Creative Freedom - Take the reins, innovate, and push boundaries with the freedom to experiment, learn, and grow at Rize. Close-knit Community - Join a collaborative, supportive team where your voice matters and your contributions are recognized and celebrated.