Credit Analyst

Shahry is a mobile credit card. Launched in 2019, we have grown exponentially accelerating access to credit for un- and underbanked Egyptians. Positioned as a buy-now-pay-later app for goods, Shahry offers Egypt's only fully digital lending option where applying for credit happens without a `wet signature` or documentation.

We source products exclusively from reputable merchants and allow monthly repayment of purchases through digital payments, credit cards, or Egypt's vast network of over 200k PoS.

Shahry is also Egypt's only startup funded and partnered with a regulated bank, allowing us unlimited access to financing and industry expertise to build a radical and innovative fintech platform.

This is an example of the stuff that gets us excited: hypothesis testing, automation, digitizing (behavioral) footprints, user profiling, removing barriers and rocking the boat in general.

Job Purpose and Responsibilities

●    Reviewing loan requests by assessing clients' ability to pay and financial profile

●    Conducting profiling investigations on applicants in line with guidelines

●    Evaluating creditworthiness and risks

●    Administering policy tasks on company’s loan management system

●    Contacting clients to gather financial data and documentation

●    Analyzing risks and recommending approval or rejection of financing requests

●    Calculating financial ratios (e.g. credit scores and interest rates)

●    Setting up payment plans

●    Maintaining updated records of loan applications

●    Following up with clients about loan renewals

●    Assisting with portfolio quality management

●    Conducting risk management tasks assigned from time to time

Major accountabilities 

Our Credit Analyst is responsible for assisting the Credit/Risk function in assessment and analysis-related tasks, especially by profiling the risk of credit applications assigned by loan officers, as well as by decision-making within the approved mandate.

Minimum Qualifications

•    BSc in Finance, Accounting, Engineering or related field

•    Digitally native

•    Numerically competent

•    Analytically oriented

•    Outstanding research capabilities

Preferred Qualifications

●    Analytical background or work experience

●    Hands-on experience with lending procedures and products

●    Investigative experience

●    Scripting, macros, pivot tables and queries

Key Performance Indicators

●    Credit operational KPIs

●    Policy compliance KPIs

Technical / Professional knowledge and skills

●    Comfortable working with ambiguity

Organization Values & Behaviors

●    Trust / Integrity

●    Autonomy

●    Customer / Quality focus