Credit Supervisor & Financial Analyst

About the Role

Talents Sea is seeking a Credit Supervisor & Financial Analyst for a leading Publicly Listed Joint Stock Company (Tadawul) headquartered in Riyadh, Saudi Arabia. This full-time role requires 2-5 years of experience and involves leading credit risk management, evaluating client solvency, and optimizing cash flow performance.

Role Overview

The Credit Supervisor & Financial Analyst will be responsible for overseeing the credit risk management framework. This includes evaluating the solvency of corporate clients, managing accounts receivable portfolios, and enhancing cash flow performance. The role requires strict adherence to corporate governance and regulatory compliance standards.

Key Responsibilities

• Evaluate B2B clients’ financial health, financial statements, and credit reports (SIMAH/Bayan) to establish appropriate credit limits and terms.
• Perform financial analysis and compute Expected Credit Loss (ECL) provisions in strict compliance with IFRS 9 accounting standards.
• Monitor accounts receivable aging reports, identify high-risk accounts, and execute effective credit control and recovery strategies.
• Oversee credit control workflows, align with Sales & Account Management to ensure smooth collections, and escalate non-performing accounts to Legal when necessary.
• Generate periodic executive dashboards tracking Days Sales Outstanding (DSO), bad debt ratios, collection efficiency, and credit risk exposure.
• Ensure all credit actions comply with internal risk policies, audit standards, and regulatory requirements for listed entities.

Experience and Qualifications

• A minimum of 2-5 years of relevant experience in credit supervision and financial analysis.
• Demonstrated analytical skills and a results-driven approach.
• Proficiency in financial modeling and understanding of IFRS 9 accounting standards.
• Experience with credit risk assessment tools and reports (SIMAH/Bayan).

Work Environment

This is a full-time position based in Riyadh, Saudi Arabia, within a leading Publicly Listed Joint Stock Company. The role operates within a framework of strict corporate governance and regulatory compliance.

Application Process

Candidates who meet the qualifications and are interested in this opportunity are encouraged to apply.