Credit Risk Analyst Job Vacancy in Luxor, Egypt – Banking & Financial Services

Job Description

Position: Credit Risk Analyst

Company: HSBC Bank Egypt

Location: Luxor, Egypt

Experience: 3-5 years in credit risk analysis

Education: Bachelor’s degree in Finance, Economics, or related field

Employment Type: Full-time

Industry: Banking & Financial Services

Department: Risk Management

Salary: 120,000 – 180,000 SSP per annum

Vacancies:1

Company Overview

HSBC Bank Egypt is a leading global financial institution with a strong presence across the Middle East and North Africa. As part of the HSBC Group, the bank offers a comprehensive suite of banking services, including retail, corporate, and investment banking, to individuals and businesses throughout Egypt. With a commitment to sustainable growth, innovation, and community development, HSBC Egypt has built a reputation for delivering high‑quality financial solutions while fostering a diverse and inclusive workplace. The Luxor branch serves a dynamic market that blends tourism, agriculture, and emerging small‑medium enterprises, providing a unique environment for professionals seeking to make a meaningful impact on the local economy. This role contributes directly to HSBC’s strategic objective of strengthening credit risk frameworks and supporting responsible lending across the region, making it an ideal platform for ambitious finance professionals looking for career advancement in Egypt Jobs.

Job Overview

The Credit Risk Analyst will join the Risk Management department in Luxor, reporting to the Senior Credit Risk Manager. The primary responsibility is to assess, monitor, and mitigate credit risk associated with the bank’s loan portfolio, ensuring compliance with regulatory standards and internal policies. The analyst will work closely with relationship managers, underwriting teams, and senior risk officers to evaluate creditworthiness, develop risk models, and produce insightful reports that guide decision‑making. This position offers a unique opportunity to engage with a diverse client base, ranging from tourism operators to agricultural cooperatives, and to contribute to HSBC’s broader mission of promoting financial stability and inclusive growth. The role is a key component of the bank’s hiring in Egypt strategy, aligning with the company’s focus on attracting top talent for Career Opportunities in Egypt.

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Key Responsibilities

• Conduct comprehensive credit assessments for new loan applications, including financial statement analysis, cash flow modeling, and industry risk evaluation.
• Monitor existing loan portfolios, identify early warning signals, and recommend risk mitigation actions.
• Develop and maintain credit risk rating models in line with HSBC’s global standards.
• Prepare detailed credit risk reports for senior management and regulatory bodies.
• Collaborate with relationship managers to structure credit facilities that balance client needs with risk appetite.
• Stay updated on local economic trends, regulatory changes, and sector‑specific developments affecting credit risk.
• Participate in periodic stress‑testing exercises and contribute to the bank’s overall risk appetite framework.

Required Skills

• Strong analytical and quantitative abilities with proficiency in Excel, VBA, and statistical software.
• Excellent written and verbal communication skills in English and Arabic.
• Ability to interpret complex financial data and present findings clearly.
• Detail‑oriented mindset with a high degree of accuracy.
• Team player who can collaborate across departments and influence decision‑making.
• Knowledge of Egyptian banking regulations and Basel III guidelines.

Education

A Bachelor’s degree in Finance, Economics, Accounting, or a related discipline is required. Professional certifications such as CFA, FRM, or equivalent are advantageous and demonstrate a commitment to continuous learning.

Experience

Applicants should have 3‑5 years of hands‑on experience in credit risk analysis, preferably within a banking or financial services environment. Experience evaluating credit risk for SMEs, tourism, or agricultural sectors in Egypt will be considered a strong asset.

Salary

The compensation package ranges from 120,000 to 180,000 SSP per year, commensurate with experience and qualifications. The package includes performance‑based bonuses, health insurance, and a pension scheme aligned with HSBC’s global benefits framework.

Benefits

• Competitive salary with annual performance bonus.
• Comprehensive health and dental coverage.
• Retirement savings plan.
• Paid annual leave and public holidays.
• Employee assistance program and wellness initiatives.

Training

• On‑boarding program covering HSBC’s risk policies and systems.
• Access to HSBC Academy for continuous professional development.
• Opportunities to attend regional risk management workshops and conferences.

Working Environment

The Luxor office offers a modern, collaborative workspace equipped with the latest technology to support analytical tasks. Employees benefit from a flexible work culture that encourages work‑life balance, regular team‑building activities, and a supportive leadership team focused on mentorship and career growth. HSBC Egypt promotes a culture of inclusion, where diverse perspectives are valued and innovation is encouraged.

Application Process

Interested candidates should submit their updated CV through the HSBC Careers portal. The selection process includes an initial screening, a technical assessment, and a final interview with the Risk Management leadership team. Successful applicants will receive a formal offer outlining compensation, benefits, and start‑date details.

Equal Opportunity Statement

HSBC Bank Egypt is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, race, religion, age, disability, or sexual orientation. Our hiring practices reflect our dedication to fairness and the belief that a diverse workforce drives better business outcomes.