Credit Risk Analyst - Intern

Role Overview

Credit Risk Analyst Intern at HALA, a leading fintech player in the MENAP region. The company is headquartered across multiple entities in UAE, Saudi Arabia, and Egypt, and is licensed by the Saudi Arabian Central Bank.

Company Overview

HALA is a fintech company founded in 2017 that aims to redefine financial services and build the future bank of SMEs. The company empowers small and medium enterprises to start, run, and grow their businesses by providing cutting-edge financial and technological tools. HALA currently holds multiple entities in UAE, Saudi Arabia, and Egypt, including HALA Payments and HALA Logistics, and offers solutions that enable merchants to digitize their payments as well as manage their sales and operations. The organization comprises a talented team of over 30 nationalities working across 7 countries.

Role Purpose

This internship is designed to provide hands-on exposure to credit risk assessment, financial analysis, and fintech operations. You will work closely with experienced analysts to learn core credit evaluation skills and support day-to-day risk activities while building foundational expertise in SME credit underwriting.

Key Responsibilities

Credit Application Review and Processing

• Assist in reviewing and organizing credit applications to ensure required information and documentation are complete.
• Maintain accurate records of applications, decisions, and supporting documentation.
• Help identify missing information or inconsistencies in applications and coordinate with internal teams to resolve them.

Financial Analysis and Data Management

• Support basic financial analysis, including data gathering on applicant income, expenses, and liabilities.
• Participate in data entry, reporting, and preparation of simple dashboards or summaries.

Risk Framework and Process Improvement

• Learn and apply internal credit policies, guidelines, and risk frameworks under supervision.
• Support the team in identifying process improvements and operational efficiencies.

Collaboration

• Work collaboratively with teams such as Sales, Operations, and Risk.

Qualifications & Experience

• Bachelor's degree in Finance, Economics, Accounting, Mathematics, Statistics, or a related field, or currently in final year of study.
• Strong academic performance with an interest in finance and risk management.
• Basic knowledge of financial concepts including income, expenses, profit, and debt.
• Proficiency in Microsoft Excel including basic functions and data handling.

Skills & Competencies

• Analytical thinking and curiosity.
• Strong attention to detail.
• Good communication skills, both written and verbal.
• Ability to manage time and meet deadlines.
• Team player with a positive attitude.
• High level of integrity and professionalism.
• Willingness to learn.

Additional Information

Learning & Development

• Exposure to SME credit underwriting and fintech risk practices.
• Training on financial statement basics and credit analysis fundamentals.
• Hands-on experience with data tools such as Excel and BI tools.
• Mentorship from experienced risk professionals.

Benefits & Opportunities

• Gain real-world experience in a fast-growing fintech environment.
• Opportunity for a full-time role based on performance.
• Inclusive and diverse culture that encourages innovation and flexibility in remote, in-office, and hybrid work setups.
• Highly competitive compensation packages, including the potential for shares.
• Personal development with regular training and an annual learning stipend.
• Autonomy, mentoring, and challenging goals that create opportunities for growth.
• High level of responsibility and trust given to support best results.