Senior Credit Manager

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.

• Lead daily underwriting and approvals for Hala Financing.


• Experience working with SME's.


• Develop and maintain credit policies, underwriting standards, and risk appetite frameworks.


• Oversee credit decision-making for high-ticket and exception cases across lending portfolios.


• Monitor portfolio health and risk trends, leveraging data insights to propose adjustments to risk strategy.


• Assist in developing credit scoring models and collaborate with data teams to refine predictive risk indicators.


• Ensure compliance with regulatory standards (e.g., SAMA), and prepare reports for regulatory reviews or audits.


• Propose and implement early warning systems to mitigate potential delinquencies and losses.


• Support in defining the collections strategy in partnership with Product team.

• 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.