Credit Risk Analyst - Intern

Who Are We

HALA is a leading fintech player in the MENAP region that aims to redefine financial services and build the future bank of SMEs. HALA aims at empowering SMEs to start, run, and grow their businesses by providing them with 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.

Founded in 2017, HALA is currently licensed by the Saudi Arabian Central Bank.

Job Description – Credit Risk Analyst Intern (Fresh Graduate)

Role Overview

We are seeking a motivated and detail-oriented recent graduate to join our Credit Risk team as an Intern. This role 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.

Key Responsibilities

• Assist in reviewing and organizing credit applications to ensure required information and documentation are complete.
• Support basic financial analysis, including data gathering on applicant income, expenses, and liabilities.
• Help identify missing information or inconsistencies in applications and coordinate with internal teams to resolve them.
• Maintain accurate records of applications, decisions, and supporting documentation.
• Participate in data entry, reporting, and preparation of simple dashboards or summaries.
• Learn and apply internal credit policies, guidelines, and risk frameworks under supervision.
• Support the team in identifying process improvements and operational efficiencies.
• Work collaboratively with teams such as Sales, Operations, and Risk.

Learning & Development Opportunities

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

Qualifications

• Bachelor’s degree (or final year student) in Finance, Economics, Accounting, Mathematics, Statistics, or a related field.
• Strong academic performance with an interest in finance and risk management.
• Basic knowledge of financial concepts (e.g., income, expenses, profit, debt).
• Proficiency in Microsoft Excel (basic functions, data handling).
• Strong attention to detail and willingness to learn.

Competencies

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

Why Join

• Gain real-world experience in a fast-growing fintech environment.
• Build foundational skills in credit risk and financial analysis.
• Opportunity for a full-time role based on performance.
• Work in a collaborative and innovative team environment.

• We have an inclusive and diverse culture that encourages innovation and flexibility in remote, in-office, and hybrid work setups.
• We offer highly competitive compensation packages, including the potential for shares.
• We prioritize personal development and offer regular training and an annual learning stipend to tackle new challenges and grow your career in a hyper-growth environment.
• Join a talented team of over 30 nationalities working in 7 countries and gain valuable experience in an exciting industry.
• We offer autonomy, mentoring, and challenging goals that create incredible opportunities for both you and the company.
• You will be given a lot of responsibility and trust. We believe that the best results come when the people responsible for a function are given the freedom to do what they think is best.