Full-time Jobs for Fresh Graduates With No Experience in Saudi Arabia

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.

• Greet visitors and manage front desk operations.
• Answer and direct phone calls efficiently.
• Handle appointment scheduling and administrative tasks.
• Assist clients with inquiries and provide excellent customer service.
• Maintain organization and a welcoming atmosphere in the office.

• Strong phone etiquette and effective communication skills.
• Proficiency in clerical tasks such as filing, scheduling, and data entry.
• Ability to work collaboratively in a team setting and manage multiple tasks.
• Prior experience in a similar role is preferred but not required.
• High school diploma or equivalent.

• Deliver a warm welcome: Greet guests upon their arrival and complete the check-in process, which includes verifying their details, assigning rooms, issuing keys, and assisting with welcome materials or bell service.
• Support efficient check-out: Process guest departures by verifying charges, handling payments, issuing receipts, and accurately using the point-of-sale system.
• Provide hotel and local knowledge: Demonstrate thorough knowledge of hotel offerings, room types, rates, promotions, and local area information to assist with guest inquiries.
• Promote hotel services: Employ up-selling techniques to recommend hotel amenities and maximize room and service revenue.
• Delight our guests: Address guest requests, resolve concerns with care and urgency, and manage messages and communications effectively.

• Assembly of electrical panels and components.
• Reading technical diagrams.
• Performing initial inspection of panels.

• Arranging the work site.
• Participating in organizing equipment.
• Assisting colleagues with simple tasks.

• Attention to detail and observation.
• Teamwork skills.
• Commitment to safety guidelines.
• Ability to read simple diagrams.

• Respond to IT support requests via phone, email, or helpdesk system.
• Provide first-line diagnosis and resolution for hardware, software, and network issues.
• Set up and configure new user accounts and hardware.
• Log and track all incidents and service requests in the helpdesk system.
• Assist with routine maintenance and updates of IT systems.
• Support administration of Microsoft 365 and assist with device enrolment and configuration.
• Maintain accurate technical documentation and user guides.

• Prescribing and fitting eyeglasses and contact lenses, and providing eye care services.
• Working with the latest equipment and technologies for eye examination.
• Ensuring an exceptional customer experience and complete satisfaction.

• Diploma or Bachelor's degree in Optics.
• Possession of a license from the Saudi Commission for Health Specialties.
• Commitment to high standards of service and care.

• Working in a professional and encouraging environment.
• Opportunity for development and growth in the field of optics.
• Joining a distinguished team of specialists.

• Prepare and maintain project schedules and timelines.
• Coordinate between different departments (Marketing, Procurement, Finance, Suppliers, etc.).
• Monitor task execution and ensure deliverables are completed on time.
• Organize meetings and prepare meeting minutes.
• Prepare and submit periodic project progress reports.
• Follow up on contracts, proposals, approvals, and project-related documentation.
• Identify potential risks, delays, and issues, and escalate them to management when necessary.
• Coordinate with suppliers, vendors, and external partners.
• Maintain and organize all project documentation and records.

• Build and maintain effective front-line relationships with assigned customers to enhance loyalty and satisfaction.
• Oversee and develop existing business within assigned customers/territory.
• Develop a structured daily/weekly call/visit list and maintain accuracy of customer information monthly.
• Conduct intense prospecting of new customers and develop a targeted list with managerial support.
• Process new customer acquisitions and manage administration prerequisites.
• Ensure effective follow-up on orders and deliveries while providing optimal customer service.
• Track, analyze, and report on sales goals and objectives on a daily basis.
• Handle customer inquiries and complaints promptly and accurately.
• Provide appropriate product selections and quotations based on customer inquiries.
• Confirm customer balances, manage payment collections as per company policy.
• Gather market intelligence on competitive activities and report findings to management.
• Participate in team meetings and training sessions as directed by the sales manager.
• Adhere to corporate integrity and values while ensuring compliance with company policies.

• Prepare and serve a variety of coffee and non-coffee beverages, ensuring consistent quality.
• Follow recipes and operate espresso machines and equipment safely.
• Take orders and handle payments at the register.
• Maintain a clean, organized, and hygienic workstation and guest area according to food safety guidelines.
• Engage with guests in a friendly and professional manner, answering questions about the menu.
• Restock supplies and support opening and closing procedures.
• Collaborate with team members for smooth operations during peak and off-peak hours.

• Strong customer service and interpersonal skills.
• Basic knowledge of coffee preparation and equipment handling.
• Clear communication skills for professional interactions.
• Understanding of hygiene and safety standards.
• Physically capable of standing for extended periods and lifting moderate weights.
• Basic math skills for handling cash and ensuring order accuracy.
• Prior experience in a café or hospitality environment is preferred but not required.
• Willingness to work flexible shifts, including weekends and holidays.

• CRM & Data Stewardship: Maintain our CRM system (Salesforce) by ensuring accurate lead data and contact information.
• Sales Enablement: Prepare tailored materials for clients including slide decks and case studies.
• Administrative Support: Draft sales quotes, NDAs, and service agreements.
• Pipeline Management: Assist Sales Managers in tracking deal progress and follow-ups.
• Market Intelligence: Research trends and competitors to refine our value proposition.
• Customer Experience: Coordinate between Sales and Customer Success to ensure smooth transitions post-sale.

• You are a student or recent graduate in Business, Marketing, Finance, or a related field.
• You are fluent in Arabic and English.
• You are motivated by working for a company dedicated to saving lives.
• You possess a high comfort level with Excel and a curiosity for CRM tools.
• You have a keen eye for details and pride yourself on maintaining clean data.
• You are eager to learn and carry emotional intelligence to work with diverse teams.

• Mentorship from seasoned sales leaders in industrial safety.
• Hands-on experience with industry-standard sales technologies.
• An in-depth understanding of the “Safety-as-a-Service” model.
• The opportunity to contribute to a company with over 40 years of innovation.

• Front Office & Visitor Management: Greet and welcome visitors; manage visitor access as per security procedures; answer and forward calls effectively.
• Administration & Facilities Coordination: Manage office supplies, coordinate maintenance activities, and support administrative functions like documentation and filing.
• Employee & Corporate Support: Assist with employee onboarding and offboarding, and support employee engagement activities.
• Operational Support: Handle reporting, logistics coordination, and vendor communications.

• Strong communication and customer service skills.
• Professional appearance and organizational abilities.
• Proficiency in Microsoft Office.