Credit Specialist Jobs for Fresh Graduates in Riyadh

About the Role

Aajil is a fintech company focused on redefining Buy Now, Pay Later (BNPL) solutions for small and medium-sized enterprises (SMEs) in the construction and manufacturing sectors. The company provides financial tools designed to support underserved businesses. The Credit function is central to Aajil's operations, influencing risk management, capital allocation, and business growth. This role is designed to ensure that all credit decisions are well-informed, consistent, and based on sound financial analysis.

As a Credit Specialist, you will be responsible for assessing client creditworthiness, supporting financing decisions, and maintaining the integrity of credit processes. This early-career position requires accuracy, structured thinking, and consistent execution, with close collaboration with internal teams to translate financial data into actionable insights.

Key Responsibilities

• Review and interpret financial statements and supporting documentation to assess client creditworthiness.
• Apply credit ratios and basic risk metrics to form structured evaluations of client financial health.
• Prepare clear and concise credit assessments detailing findings and recommendations.
• Communicate credit assessment findings to relevant stakeholders to support informed financing decisions.
• Operate within established credit workflows and systems, ensuring consistency and accuracy in case processing.
• Ensure timely processing of credit applications and related documentation.
• Work closely with internal teams to facilitate the efficient progression of cases through the credit lifecycle.
• Maintain alignment and clarity across different departments involved in the credit process.

Qualifications and Requirements

• 1-3 years of experience in credit, finance, accounting, or a related field.
• Bachelor's degree in Finance, Accounting, or a related discipline.
• Strong ability to read and interpret financial statements.
• Familiarity with credit analysis principles and basic risk metrics, such as liquidity and leverage ratios.
• Strong organizational and time management skills.
• Ability to work independently within structured workflows.
• Fluency in both Arabic and English is required.

Required Skills

• Credit Analysis
• Financial Statement Interpretation
• Risk Metrics Assessment
• Organizational Skills
• Time Management
• Clear Communication

Work Environment

This is a full-time position based in Riyadh, Saudi Arabia. The role is suitable for individuals with 0-1 years of experience, offering a structured environment to develop credit analysis skills.

About the Role

Atmaal is looking for a Saudi national to join the Retail Credit Quality Assurance team. This is an entry-level position suitable for recent graduates or individuals with up to one year of experience, who are looking to build a career in credit risk, quality assurance, and retail banking operations. The role aims to support the review of credit decisions and ensure that all credit files, approvals, and associated processes are in strict compliance with Atmaal's internal policies and procedures.

The successful candidate will play a vital role in maintaining the integrity and compliance of retail credit operations by carefully examining credit applications and decisions, identifying any discrepancies, and contributing to the continuous improvement of quality assurance processes within the department.

Key Responsibilities

• Review retail credit applications and all associated documentation to ensure completeness and accuracy.
• Assess the quality and accuracy of credit decisions made by the team.
• Verify that all credit cases are processed and approved in full compliance with the Bank's applicable policies and procedures.
• Assist the team in identifying any errors, missing documentation, or policy violations within credit files.
• Prepare simple reports and summaries of findings using Microsoft Excel.
• Coordinate with various internal teams to follow up on pending credit cases.
• Maintain proper documentation and accurate tracking of all reviewed credit cases.
• Support initiatives aimed at continuous improvement in credit review and quality assurance processes.

Qualifications and Requirements

• Applicant must be a Saudi national.
• Hold a Bachelor's degree in Finance, Business Administration, Accounting, Risk Management, or a closely related field.
• Recent graduates are encouraged to apply.
• Previous experience in credit risk, underwriting, quality assurance, or retail credit is preferred.
• A good level of English proficiency is preferred.
• Demonstrate good knowledge of Microsoft Excel for data analysis and reporting.
• Possess a strong attention to detail to ensure accuracy in reviews.
• Ability to analyze information effectively and follow policies and procedures accurately.

Core Skills

• Credit Risk Analysis
• Quality Assurance
• Retail Banking Operations
• Proficiency in Microsoft Excel
• Attention to Detail
• Information Analysis
• Policy Adherence
• Underwriting Principles
• Retail Credit Operations
• Knowledge of financing products, personal finance, credit cards, mortgages, and leasing.

Additional Job Information

This is a full-time position, requiring 0-1 year of experience. The work location is Riyadh, Saudi Arabia.

About the Internship Program

JPMorgan Chase, a global financial services firm with operations in 100 countries, is offering the 2027 Global Corporate Banking - Large-Cap - Off-Cycle Internship Program in Saudi Arabia. This program provides an opportunity to work within the Corporate & Investment Bank, contributing to strategies that support government, institutional, and corporate clients. Interns will gain experience in market data analysis, transaction management, and developing solutions for business challenges in a collaborative setting. JPMorgan Chase focuses on building trusted relationships, maintaining industry reputation, and delivering high-quality, ethical services.

This off-cycle internship is designed for individuals seeking practical experience in corporate banking. The program will run for two distinct periods: January to June 2027 and July to December 2027. Interns will receive support and training to develop in this field.

Key Responsibilities

• Assist Global Corporate Banking (GCB) bankers with the internal management of existing client relationships.
• Support industry and credit analysis, including the review of financial statements and assistance with credit approval and documentation processes.
• Gain exposure to product, strategy, and client coverage teams within the bank.
• Prepare internal memos, such as senior management briefings and decision committee memoranda.
• Participate in the analysis and negotiation of financing requests in coordination with credit, product, legal, and compliance teams.
• Coordinate with product and country teams to identify and execute transactions for clients globally across various products, including capital markets, risk solutions, and transaction banking.
• Network with industry leaders, access training, and learn about inter-departmental collaboration for customer service.

Qualifications and Requirements

• Exceptional analytical, research, and project management skills.
• Familiarity with business fundamentals.
• Ability to solve problems independently and collaboratively within a team.
• Enthusiasm, energy, and a strong drive to succeed.
• A collaborative mindset and willingness to partner effectively within a team.
• Confidence and initiative to take on early responsibility and manage individual projects.
• Proficiency in Microsoft Word and Excel.
• Fluency in both English and Arabic.
• Expected graduation date between January 2027 and December 2028.
• On-track for a United Kingdom 2:1 Bachelor's degree (or equivalent) in undergraduate studies is preferred.

Skills

• Analytical and Research Skills
• Project Management
• Business Fundamentals
• Problem-Solving
• Teamwork and Collaboration
• Initiative and Drive
• Proficiency in MS Word and Excel
• Fluency in English and Arabic

Program Details and Application Information

This internship program is located in Riyadh, Saudi Arabia, and is a full-time position. The internship periods are January - June 2027 and July - December 2027. The application deadlines are July 31st, 2026, for the January-June 2027 internship, and November 6th, 2026, for the July-December 2027 internship. Applications are reviewed on a rolling basis, and early submission is encouraged. Candidates will be invited to complete a video interview via HireVue as a mandatory step for application consideration.

JPMorgan Chase is committed to creating an inclusive work environment and provides reasonable accommodations for known disabilities.

About the Role

Tarmeez Capital is seeking a motivated individual to join their team as a Financing Solutions - Tamheer in Riyadh. This role is part of a structured training program designed to equip the successful candidate with the skills and knowledge necessary to support the delivery and administration of tailored financing products and services to corporate and institutional clients. The position is crucial for end-to-end transaction processing, client onboarding, and ensuring high standards of service delivery while maintaining robust controls and regulatory compliance. The Financing Solutions - Tamheer role offers an opportunity to develop operational expertise in financing solutions, gain commercial awareness, and hone stakeholder management skills within the financial services environment.

Key Responsibilities

• Support the delivery and administration of tailored financing products and services to corporate and institutional clients.
• Manage end-to-end transaction processing for financing solutions.
• Facilitate client onboarding processes and ensure all necessary documentation is completed accurately.
• Provide support for credit and risk assessment related to financing transactions.
• Coordinate effectively with various internal teams to ensure the timely execution of financing deals.
• Maintain high standards of service for clients throughout the financing lifecycle.
• Contribute to business growth by actively participating in the financing solutions delivery process.
• Ensure adherence to robust controls and regulatory compliance in all activities.

Qualifications and Requirements

• Must be qualified for the Tamheer program.
• Possess a basic understanding of financing structures, credit documentation, and relevant regulatory considerations.
• Demonstrate familiarity with client onboarding procedures and an awareness of compliance requirements within the financial services sector.
• Exhibit knowledge of financial statement analysis.
• Be proficient in Microsoft Office applications.
• Possess effective verbal and written communication skills in English, with the ability to engage professionally and clearly with clients and internal stakeholders.

Required Skills

• Financing Solutions
• Transaction Processing
• Client Onboarding
• Documentation Management
• Credit Support
• Risk Support
• Stakeholder Management
• Understanding of Financing Structures
• Knowledge of Credit Documentation
• Awareness of Regulatory Considerations
• Compliance Principles
• Financial Statements Analysis
• Microsoft Office Proficiency
• Communication (Verbal and Written)

Additional Information

This is a full-time position with 0-1 year of experience required. Related professional certificates are considered an advantage. The role is based in Riyadh, Saudi Arabia.

About the Role

The Olayan Group's General Trading Company (GTC) is seeking a meticulous and detail-oriented Credit & Collections Coordinator to join their team in Riyadh, Saudi Arabia. This role is vital in supporting the credit control function by ensuring accurate and timely application of customer collections, diligent monitoring of customer accounts, and effective management of balance confirmations. This position primarily contributes to the preparation of necessary financial provisions and assists in optimizing collection performance, aiming to mitigate credit risk and enhance the company's cash flow through the maintenance of accurate financial records.

Key Responsibilities

• Accurately and promptly apply customer collections and payments within the ISELL system.
• Monitor daily collection activities and proactively follow up with sales representatives to ensure timely remittances.
• Escalate any collection delays or cash handling exceptions to the relevant management for necessary action.
• Review daily bank transactions to identify and reconcile any unallocated receipts, ensuring proper allocation.
• Reconcile customer open items and perform regular account reconciliations to maintain accuracy.
• Prepare customer balance confirmations and diligently follow up to achieve set targets.
• Calculate and prepare monthly Expected Credit Loss (ECL) provisions and support efforts to minimize these provisions.
• Contribute to the improvement of Days Sales Outstanding (DSO) through effective collection follow-up strategies.
• Actively participate in weekly collection review meetings, providing insights and updates.
• Process credit notes (DN), journal entries, and other necessary adjustments in a timely manner.
• Effectively coordinate with sales teams regarding collection status and confirmation processes.
• Communicate directly with customers to resolve any discrepancies identified during reconciliation processes.
• Work collaboratively with accounting, finance, and credit control teams to ensure smooth operations.
• Support internal and external audit requirements by providing necessary documentation and information.
• Prepare daily collection reports to track performance and identify trends.
• Generate monthly reports for Expected Credit Loss (ECL) provisions for management review.
• Track and report on Days Sales Outstanding (DSO) performance metrics.
• Monitor the progress of balance confirmation activities.
• Prepare collection review reports and maintain action trackers for items requiring follow-up.
• Perform additional duties as assigned by management to support departmental objectives.

Qualifications and Requirements

• A Bachelor's degree in Finance and Accounting is required.
• A minimum of 1 to 2 years of experience in credit control, accounts receivable, or collections is essential.
• Experience in a distribution environment is preferred.

Required Skills

• Proficiency in credit control principles and practices.
• Strong understanding of accounts receivable processes.
• Experience in collections operations.
• Ability to maintain accurate financial records.
• Skill in performing reconciliations.
• Competence in report generation and analysis.

Job Details

This is a full-time position based in Riyadh, Saudi Arabia. The role requires 0-1 years of experience and presents an opportunity for career development within a reputable organization in the Saudi market.

About the Collection Officer Role

Aljeel Medical is seeking a diligent and detail-oriented Collection Officer to join its team in Riyadh, Saudi Arabia. This full-time position is crucial for ensuring the timely recovery of outstanding payments from customers, thereby maintaining positive client relationships and supporting the company's financial stability. The Collection Officer will play a key role in managing accounts receivable, minimizing financial risk, and contributing to the organization's healthy cash flow.

Key Responsibilities

• Ensure the timely recovery of outstanding payments from customers while maintaining positive client relationships.
• Monitor accounts receivable and follow up on overdue invoices using the aging receivables report.
• Compare amounts to be collected with customer account balances to ensure accuracy.
• Collect and submit collection-related transactions on time in coordination with the direct manager.
• Receive checks and cash payments and submit them to the cashier for deposit.
• Resolve collection-related issues that may arise from sales and maintenance departments.
• Prepare financial statements for customers to support debt collection efforts within specified timelines.
• Perform any other duties or tasks assigned by the direct manager, provided they do not violate labor law.

Qualifications and Experience

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field.
• 1 to 3 years of experience in collections, accounts receivable, or a similar role.
• Basic knowledge of accounting principles and financial processes.
• Familiarity with collection procedures and relevant regulations.
• Ability to work under pressure and meet deadlines.

Required Skills and Abilities

• Proficiency in Microsoft Excel and accounting/ERP systems.
• Strong numerical and analytical skills.
• Good communication and negotiation abilities.
• Excellent interpersonal abilities.
• Ability to handle difficult customers professionally.
• Attention to detail and a high level of accuracy.
• Good problem-solving and conflict resolution skills.
• Effective time management and ability to meet deadlines.
• Ability to analyze accounts and identify discrepancies.
• Teamwork and collaboration skills.
• Adaptability and the ability to work effectively under pressure.

Work Details

This is a full-time position based in Riyadh, Saudi Arabia. The role requires 0-1 years of experience in collections or a related field.