Credit Risk Analyst
Khazna
About Khazna
Khazna launched in 2020 with a mission to improve the financial well-being of the underbanked, who have little access to formal financial services by providing access to convenient, effective and secure smartphone-based financial services. Khazna has received the Central Bank of Egypt’s first prepaid card license and aims to become the go-to neobank for underbanked consumers across the Middle East. In the next phase of its journey, Khazna is looking to continue scaling up its operations in Egypt and to launch its operations in Saudi Arabia.
This is a fun stage in the company's lifecycle as the core foundation has been but it is still early enough to assume a ton of ownership and to help shape the future of the company and its success.
Job Overview
As a Credit Risk Analyst, you’ll play a vital role in supporting Khazna Tech’s risk management processes. This position is ideal for an analytical thinker interested in gaining foundational experience in credit risk management, reporting, and portfolio analysis. You will work closely with senior team members, developing skills in risk analysis, reporting, and policy implementation.
Key Responsibilities
1. Portfolio Monitoring & Reporting
- Assist in monitoring the overall credit portfolio, identifying adverse trends, and preparing summary reports for senior management.
- Contribute to tracking and reporting portfolio performance, ensuring credit losses remain within acceptable benchmarks.
- Support the development of new monitoring techniques and regular reporting tools.
2. Risk Compliance & Process Support
- Participate in ensuring that Khazna Tech's risk appetite benchmarks, including concentration limits, are adhered to across the portfolio.
- Perform sample checks on credit process adherence across teams (Sales, Credit Underwriting, Operations) and report findings to management.
3. Credit Policies & Stakeholder Collaboration
- Help in reviewing and updating credit policies to ensure alignment with business requirements.
- Collaborate with internal teams to assist in data collection and reporting that supports informed growth decisions.
4. Collection & Automation Support
- Support the execution of daily and month-end collection strategies, preparing summary reports as needed.
- Assist in coordinating with the Technology team on policy automation initiatives, ensuring accuracy and compliance in decision engines.
5. Regulatory Compliance & Model Support
- Ensure all credit-related activities are documented in line with regulatory requirements.
- Work alongside data and tech teams on projects related to behavioral-based creditworthiness models, gaining exposure to model development processes.
Qualifications
Education: Bachelor’s degree in Finance, Economics, Business, or a related field.
Experience: 1-3 years of relevant experience
Skills: Strong analytical and numerical skills, proficiency in Excel; and knowledge of data analysis tools and SQL is a must.
Attributes: Detail-oriented, proactive, and willing to learn. Strong communication skills and ability to work in a team-oriented environment.
What We Offer
- Hands-on experience in credit risk management and portfolio monitoring.
- Opportunity to work closely with senior professionals in a collaborative, growth-focused environment.
- Professional development opportunities, including training in risk analysis tools and techniques.