Credit Analyst

Credit+ Credit Analyst (Underwriter)

About Credit+

Credit+ is a new and ambitious consumer lending business launching in Morocco in 2025. We’re on a mission to transform the way people access and manage credit - with fast, fair and fully digital financial products built for everyday Moroccans.

Backed by world-class technology and deep local insight, Credit+ is set to redefine borrowing for millions of underserved and overlooked customers in Morocco.

We’re building from the ground up - assembling a bold, smart and mission-driven team ready to shape the future of consumer finance in the region.

Why Credit+ is a great place to be

Our ambition. We are looking to become a leading provider of credit within Morocco, making it easy for users to access credit solutions and we are looking for ambitious individuals to join this journey as we scale.

Our culture. We go above and beyond to provide an amazing customer experience and we make our apps not just easy but fun to use. We work with strong individuals whom we empower and trust rather than micromanage. Common sense rather than formal policies prevails in all that we do. We always stay curious and open-minded. We embrace the -we over me’ culture.

Key Responsibilities:

* Credit applications timely review, with a feedback in line with laid down Lending Policy and Procedures
* Ensure that loans are originated in compliance with established policies and procedures and those exceptions are properly monitored, documented and approved
* Assist in developing and monitoring risk mitigation strategies for the organization’s critical risk areas
* Evaluate and monitor the credit management process to Identify risk-related issues needing escalation to management
* Ensures that the Company's credit exposures are within set risk bearing limits.
* Prepare periodic underwriting risk assessment reports
* Make recommendations about procedural/policy changes to the Head of Risk
* Keep an up-to-date information on key Credit issues (for example legal, market risk and compliance issues)
* Assist to enhance the quality of credit applications
* Ensure regulatory compliance
* Maintain working knowledge of relevant legislation, statutory instruments, codes of practice, and organisation policies, and ensure adherence

Qualification Requirements:

* 2 years relevant experience preferably at a high-growth tech startup in the lending services space
* Good credit sector understanding
* Ability to analyze financial data
* Ability to read large volumes of documents effectively and extract necessary information
* In-depth understanding of the risk mitigation strategies (credit decision level)
* Strong in oral communication, analytical and report writing skills
* Ability to effectively manage multiple priorities
* Sense of teamwork, cooperative, and adaptable to change.
* Ability to work under pressure and problem-solving abilities
* Excellent Excel skills
* Bachelor’s Degree
* Willing to work Nights and Weekends on a rotating shift basis

We consider as a plus:

* previous startup experience
* knowledge of the credit card or consumer lending industry in fintech