Associate Credit Analyst (Emirati Talent)

NTT America, Inc.; Dubai; On-site; AED 90,000 - 150,000; Full time

Job summary

NTT DATA in the United Arab Emirates is seeking an Associate Credit Analyst to learn how to evaluate the creditworthiness of clients seeking IT services. Under supervision, you will analyze financial data, credit reports and assess risk for extending credit terms to external parties.

This entry-level position is ideal for fresh graduates in Finance, Accounting, Economics or Business Administration and offers exposure to credit control, invoicing, onboarding and collections within a multinational

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• Entry-level in Credit Analysis or Finance Operations preferred.
• Experience with financial statements and credit reports is advantageous.
• Familiar with invoicing, collections, or customer onboarding is beneficial.

Responsibilities

• Review credit applications.
• Analyze financial statements and credit reports.
• Evaluate credit risk and determine credit limits.
• Support credit approval recommendations.
• Ensure compliance with credit policies.
• Prepare credit analysis reports and risk assessments.
• Monitor customer accounts and conduct periodic reviews.
• Assist with invoicing, onboarding, and collections.
• Maintain credit, invoicing and compliance records.
• Identify improvements to credit and collections processes.
• Other credit analysis, billing or collections duties.

Skills

Interpersonal skills

Attention to detail

Verbal communication

Written communication

Deadline-driven

Initiative

Proactive mindset

Accounting knowledge

Financial statements

Accounts receivable

Credit analysis basics

ERP systems

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Accounting software

ERP platforms

Job description

Make an impact with NTT DATA

Join a company that is pushing the boundaries of what is possible. We are renowned for our technical excellence and leading innovations, and for making a difference to our clients and society. Our workplace embraces diversity and inclusion – it’s a place where you can grow, belong and thrive.

Your day at NTT DATA

The Associate Credit Analyst works under the supervision of a senior manager and has the core responsibility to learn the skills related to the process of evaluating the creditworthiness of clients or any other external parties seeking IT services, solutions, or products on credit.

This role involves supporting with the analysis of financial data, credit reports, and other relevant information to determine the risk associated with extending credit terms to external parties.

This role is particularly suited to UAE Nationals who are looking to develop a career in Finance, Credit Analysis, Risk Management, and Financial Operations. Recent graduates in Finance, Accounting, Economics, Business Administration, or related disciplines are encouraged to apply.

Key responsibilities:

• Supports the review of credit applications from prospective and existing customers.

• Assists with analysing financial statements, credit reports and other financial information to assess customer creditworthiness and potential risk exposure.

• Supports the evaluation of credit risk and assists with determining appropriate credit limits in accordance with established policies and procedures.

• Utilises credit analysis techniques and credit scoring methodologies under supervision to support credit approval recommendations.

• Ensures compliance with company credit policies, credit terms and governance requirements.

• Prepares credit analysis reports, risk assessments and supporting documentation for internal stakeholders.

• Monitors customer accounts, conducts periodic credit reviews and supports credit limit amendments where required.

• Supports invoice creation, processing and submission activities, including customer portal uploads and related documentation requirements.

• Assists with customer onboarding activities, including customer master data creation, maintenance and collection of required documentation.

• Supports collections activities through customer follow‑ups, invoice query resolution and coordination of outstanding payment matters.

• Assists with maintaining accurate credit, invoicing and compliance records, including managing invoice rejections and resubmission requirements.

• Supports preparation of credit control, collections and customer account reporting.

• Identifies opportunities to improve credit, billing and collections processes and contributes to continuous improvement initiatives.

• Performs any other credit analysis, billing or collections-related duties as required.

To thrive in this role, you need to have:

• Good interpersonal skills with the ability to engage with clients in a professional and tactful manner.

• Displays good attention to detail with the ability to produce high quality work.

• Good verbal and written communication skills.

• Deadline driven with the ability to cope with stressful situations and different personalities.

• Ability to take own initiative and have a solutions‑orientated approach.

• Proactive approach with the ability to think ahead in a fast‑paced environment.

• Working knowledge of accounting practices and principles.

• Understanding of financial statements, credit analysis, and risk assessment methodologies

• Understanding of accounts receivable, collections processes and customer account management.

• Ability to work with customer portals, invoicing systems and financial documentation.

Academic qualifications and certifications:

• Bachelor's degree or equivalent in Finance, Accounting, Economics, or a related field preferred.

Required experience:

• Entry-level experience in Credit Analysis, Accounts Receivable, Collections, Finance Operations, or a related finance role is preferred.

• Experience working with financial systems, accounting software or ERP platforms is advantageous.

• Exposure to invoicing, customer onboarding, collections, or credit control activities would be beneficial.

• Basic experience working with corporate customers within a professional services, technology, or multinational environment is preferred.

Workplace type :

On‑site Working

About NTT DATA

NTT DATA is a $30+ billion business and technology services leader, serving 75% of the Fortune

Global 100. We are committed to accelerating client success and positively impacting society through

responsible innovation. We are one of the world’s leading AI and digital infrastructure providers, with

unmatched capabilities in enterprise-scale AI, cloud, security, connectivity, data centers and

application services. Our consulting and industry solutions help organizations and society move

confidently and sustainably into the digital future. As a Global Top Employer, we have experts in more

than 70 countries. We also offer clients access to a robust ecosystem of innovation centers as well as

established and start-up partners. NTT DATA is part of NTT Group, which invests over $3 billion each

year in R&D.

Equal Opportunity Employer

NTT DATA is proud to be an Equal Opportunity Employer with a global culture that embraces diversity. We are committed to providing an environment free of unfair discrimination and harassment. We do not discriminate based on age, race, colour, gender, sexual orientation, religion, nationality, disability, pregnancy, marital status, veteran status, or any other protected category. Join our growing global team and accelerate your career with us.