The Important StuffLocation: We have an office in DIFC, DubaiReporting to: Group Head of Credit Start Date: May 2024 Interviews: 2 rounds and a take home assignment totaling a commitment of 3-4 hours over 2 weeks Your team: The current credit team comprises of 3 credit analysts, and this role is for a slightly more experienced team memberYour mission: To provide fast, accessible, and digital lending solutions for SMEs in UAE. In this role that means: Involvement in collaborating and diagnosing Credit, Market, Liquidity, and Operational Risk. Accountable for ensuring that the Credit team is working efficiently. Day to Day, you will:•Responsible for undertaking detailed credit risk assessment analysis, recommendations, application approval, and, when required, visiting client premises.•Responsible for identifying potential fraudulent applicants to protect the reputational and financial interests of Beehive’s investors/platform.•Provide recommendations tied to analysis and assessment of credit risk.•Responsible for liaising with external credit reference agencies and other financial bodies and analysis of third-party risk management reports and requirements.• Conduct a thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing, and annual due diligence.•Accountable for ensuring clients’ requests sit within Beehive's risk appetite and credit policy.•Responsible for presenting credit proposals and deviations to the Group Head of Credit, demonstrating strong communication skills articulating all known material and significant risk.•Present a summary report of analysis, findings, and recommendations to the Group Head of Credit, especially findings involving a borrower’s ability to repay; the report should cover all the key areas.•Responsible for ensuring that Beehive’s credit model and scorebook are errorless, and all parameters are within the set parameters.•Develop and prepare spreadsheets and models to support analysing new and existing credit applications and managing the portfolio.•Reconcile credit files and identify discrepancies and variances. KPIs:Your performance in this role will be judged on the below key metrics• Loan Portfolio Quality: Non-performing loan (NPL) ratio• Credit Risk Assessment: Accuracy of credit risk assessments. Also, the average time taken to complete credit assessments and approve/reject loan applications•Portfolio Growth and Diversification: Diversification of loan portfolio This might be for you if: · You have a bachelor’s degree in finance, Business Administration, or a related field (preferred). · You have excellent communication. · You possess strong analytical skills, with the ability to interpret financial statements, assess credit risk, and make informed decisions. · You can work independently, prioritize tasks, and thrive in a dynamic, multicultural environment. Bonus points for: · Financial Background · Self-Starter attitude · Problem Solving skills. Why join us? With us, you have the opportunity to join a growing team with immense growth opportunities within the company. Beehive is a rapidly growing and one of the longest standing startups in the MENA region. We are a people-first organization, and we believe in empowerment of our workforce.