Credit Specialist📣 Job Ad

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.