Senior Credit Analyst

Your mission Strengthen Beehive's credit infrastructure through expert risk analysis, model management, and sound credit decision-making. You'll play a key role in refining our proprietary credit model and supporting high-quality lending decisions for SMEs. What this role involves You'll bring a deep understanding of credit processes, SME risk trends, regulatory compliance, and data-driven decision-making. Your analytical skills and initiative will drive continuous improvement in our credit assessment framework, so that every evaluation is timely, ethical, and reliable. The details • Location: Muscat office [on-site] • Reports to: Credit Manager • Start date: November 2026 • Interview process: Two rounds, about 2–3 hours in total, completed within one week Day to day, you will: • Own credit assessments end to end, from data analysis through report preparation to final recommendations. • Deliver accurate, compliant, and timely assessments that support the business's lending strategy. • Refine Beehive's proprietary credit model using internal performance data and external market conditions. • Run stress tests to measure how the model holds up across different economic scenarios and SME-specific risks. • Spot credit issues early and design scalable solutions to address them. • Review credit processes and performance regularly, identify improvements, and implement them independently. • Present clear, structured credit analysis to stakeholders across the business. • Seek out and give feedback to raise individual and team performance. • Uphold confidentiality and high ethical standards in all credit evaluation and data handling. This might be you if you: • Have experience in credit risk, credit modeling, or a similar role in financial services or fintech. • Have advanced analytical and credit modeling skills. • Understand credit regulations, risk metrics, and stress testing methods. • Work independently, prioritize well, and take initiative without waiting for direction. • Are detail-oriented and proactive about improving processes. • Stay effective under pressure in a fast-paced environment. Why join us? Beehive is one of the longest-standing and fastest-growing startups in the MENA region. We're a people-first company that believes in empowering our team. Note that: In line with the company’s Omanisation requirements and applicable local workforce regulations, preference will be given to qualified Omani candidates Show more Show less

Experience in credit risk, credit modeling, or a similar role in financial services or fintech. Advanced analytical and credit modeling skills. Understand credit regulations, risk metrics, and stress testing methods. Work independently, prioritize well, and take initiative without waiting for direction. Detail-oriented and proactive about improving processes. Stay effective under pressure in a fast-paced environment.

Own credit assessments end to end, from data analysis through report preparation to final recommendations. Deliver accurate, compliant, and timely assessments that support the business's lending strategy. Refine Beehive's proprietary credit model using internal performance data and external market conditions. Run stress tests to measure how the model holds up across different economic scenarios and SME-specific risks. Spot credit issues early and design scalable solutions to address them. Review credit processes and performance regularly, identify improvements, and implement them independently. Present clear, structured credit analysis to stakeholders across the business. Seek out and give feedback to raise individual and team performance. Uphold confidentiality and high ethical standards in all credit evaluation and data handling.