Oumema Azhar is a credit analyst for the Middle East Investment Initiative (MEII) in Tunisia, where she is responsible for assessing the credit risk of SMEs. Before joining MEII, she worked as a Credit risk analyst in a Swiss Fintech specialist in Crowd-Lending and Private Equity. She used her financial expertise to support the data science team in developing innovative tools to assess the credit risk of Swiss small businesses. Moreover, She is passionate about creating a positive impact through her research. Her academic research includes publication in the International Journal of Emerging Markets. Mrs. Oumema Azhar holds an MRes in finance from the IHEC Carthage Business School.