Website:
zelofinance.ai
Job details:
Zelo Finance | SME Financing
Zelo Finance is a fast‑growing fintech enabling SMEs to unlock working capital through invoice financing, bank guarantee financing, and embedded finance solutions.
We are looking for a Credit Analyst (Remote) to support our credit and underwriting team by independently reviewing SME financing cases and preparing high‑quality credit analysis memos.
- Key Responsibilities
- Review and analyse SME financing cases including invoice discounting, contract‑based financing, and bank guarantee‑linked exposures
- Perform financial statement analysis, cash flow assessment, and working capital cycle review
- Assess counterparty risk, contract quality, invoice validity, and collection visibility
- Prepare structured Credit Analysis Memos covering:
Business model and operating profile
Revenue and cost structure
Customer concentration and payment behaviour
Balance sheet strength and leverage
Key risks and mitigants
- Validate supporting documentation (contracts, invoices, IPCs, approvals, bank statements, etc.)
- Highlight key credit risks, assumptions, and recommendation rationale clearly and concisely
- Work closely with the Zelo Credit & Operations team to support faster, well‑reasoned credit decisions
- Maintain strong documentation and audit‑ready analysis standards aligned with internal policies
2. What We’re Looking For
- 3-5 years of experience (min. 3 years) in credit analysis, underwriting, SME financing, fintech lending
- Strong understanding of:
Financial statements and cash flow dynamics
Working capital financing and trade‑linked exposures
SME business models (contracting, services, trading, manpower, infrastructure, etc.)
- Ability to independently assess real‑world credit risk, not just ratios
- Experience preparing or reviewing credit memos / investment notes / underwriting notes
- High attention to detail with clear, structured written communication
- Comfortable working remotely with fast turnaround expectations
- Prior experience in fintech, NBFCs, banks, or alternative lenders is a plus
3. Why Join Zelo Finance
- Exposure to embedded finance and structured financing products
- High ownership and visibility in credit decision‑making
- Flexible remote working model
- Opportunity to grow with a scaling fintech platform in the GCC and beyond
4. Location
🌍 Remote (work with UAE‑based credit and operations teams)
Click on Apply to know more.